| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 WEST KENNEDY BLVD. SUITE 850 TAMPA, FL 33609 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $37K | $37K | 4.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 10368 W. STATE ROAD 84 STE 201 DAVIE, FL 33324 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $44 | $10K | 8.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVENUE SUITE 750 PO BOX 1480 WINTER PARK, FL 327895552 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $44 | $5K | 4.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FLOOR BANK OF AMER CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 10368 W. STATE ROAD 84 STE 201 DAVIE, FL 33324 | METROPOLITAN LIFE INSURANCE COMPANY | $745 | $44 | $789 | 26.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR. 40 W. MADISON 4TH FL BANK OF AMERIC CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16 | $16 | 0.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 10368 W. STATE ROAD 84 STE 201 DAVIE, FL 33324 | METROPOLITAN LIFE INSURANCE COMPANY | $468 | $44 | $512 | 24.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 W. MADISON 4TH FL BANK OF AMERIC CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.44% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 48 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 51 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75 | $898K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 98 | $117K |
| Vision | EYEMED | 93 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 98 | $117K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 98 | $117K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 98 | $117K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 98 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.