| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 32789 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $162K | $162K | 4.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE, STE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $109K | $28K | $136K | 16.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVE, SUITE 750 PO BOX 1480 WINTER PARK, FL 327895552 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $11K | 14.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA LOCK CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $807 | $807 | 1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVE SUITE 750, PO BOX 1480 WINTER PARK, FL 327895552 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $10K | 14.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA LOCK CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $726 | $726 | 1.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVE SUITE 750, PO BOX 1480 WINTER PARK, FL 327895552 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $898 | $6K | 14.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA LOCK CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $420 | $420 | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVE, STE 750 PO BOX 1480 WINTER PARK, FL 32789 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $417 | $3K | 14.87% |
| 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 | — | $179 | $179 | 1.04% |
| COOPER SIMS NELSON & MOSLEY INC3 Filed as: COOPER SIMMS NELSON & MOSLEY INC | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | METLIFE LEGAL PLANS OF FLORIDA | $1K | — | $1K | 10.39% |
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 | 863 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 668 | $4.2M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 859 | $848K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 859 | $848K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 859 | $848K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 859 | $848K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 859 | $848K |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 859 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 859 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.