| 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 | — | $274K | $274K | 4.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 327895552 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $84K | $35K | $120K | 20.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVENUE SUITE 750 PO BOX 1480 WINTER PARK, FL 327895552 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $47 | $33K | 8.11% |
| 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 | — | $7K | $7K | 1.76% |
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 | 711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 737 | $6.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,009 | $412K |
| Vision | EYEMED | 832 | $59K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 738 | $589K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 738 | $589K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 738 | $589K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 738 | $589K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,009 | — |
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.