| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 WEST KENNEDY BOULEVARD SUITE 850 TAMPA, FL 33609 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $84K | $97K | 3.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1560 ORANGE AVENUE, SUITE 750 WINTER PARK, FL 32789 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 0.36% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE. SUITE 140A PEMBROKE PINES, FL 33027 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PLACE, SUITE 450 DOWNERS GROVE, IL 60515 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.13% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.05% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 526 | $2.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 526 | $2.9M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 526 | $2.9M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 526 | $2.9M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 526 | $2.9M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 526 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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."
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.