| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA LTD | 4830 WEST KENNEDY BLVD SUITE 850 TAMPA, FL 336092593 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 7.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 2.50% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 1.62% |
| PRIMEGROUP INSURANCE SERVICES3 | 5215 W LAUREL STREET SUITE 100 TAMPA, FL 336071728 | HUMANA INSURANCE COMPANY | -$3 | — | -$3 | -0.00% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE AND ACCIDENT | VARIOUS AGENTS - SEE ATTACHED POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $291 | $2K | 40.93% |
| MIKE REBER3 | MID FLORIDA BUSINESS SOLUTIONS 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | ALLYHEALTH LLC | $708 | — | $708 | 16.71% |
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 | 777 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 143 | $120K |
| Vision | HUMANA INSURANCE COMPANY | 143 | $120K |
| Life insurance | HUMANA INSURANCE COMPANY | 143 | $120K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $5K |
| Other(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 143 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.