| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 339075663 | BLUE CROSS BLUE SHIELD OF FLORIDA | $28K | — | $28K | 1.25% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEK FONTANA WAY BLDG 11 NAPLES, FL 34109 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | — | $22K | 1.01% |
| LEADING EDGE BENEFIT ADVISORS LLC3 Filed as: LEADING EDGE BENEFIT ADVISORS, LLC | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 339075663 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 0.74% |
| UNITED BENEFITS ADVISOR OF FLORIDA3 Filed as: UNITED BENEFITS ADVISOR OF FL | 6885 BELFORT OAKS PL STE 210 JACKSONVILLE, FL 32216 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.57% |
| BALDWIN KRYSTIN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33609 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W KENNEDY BLVD STE 850 TAMPA, FL 33609 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.75% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BLDG 11 NAPLES, FL 34109 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 1.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 33907 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 1.16% |
| LEADING EDGE BENEFIT ADVISORS LLC3 Filed as: LEADING EDGE BENEFIT ADVISORS, LLC | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 33907 | BLUE CROSS BLUE SHIELD OF FLORIDA | $699 | — | $699 | 0.64% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 6.09% |
| RAIMEY CORPORATION3 Filed as: RAIMEY CORPORATION DBA LEADING EDGE | 12450 BRANTLEY COMMON CT FORT MYERS, FL 33907 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 5.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 2158 RIVERSIDE, CA 92516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.07% |
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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 212 | $2.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 404 | $135K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 404 | $135K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $107K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $107K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $107K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 212 | $2.3M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.