| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA | $170K | — | $170K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 ORANGE AVE, SUITE 750 WINTER PARK, FL 32789 | HEALTH OPTIONS | $74K | — | $74K | 1.00% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP DBA SELECT | 1201 S ORLANDO AVENUE, SUITE 450 WINTER PARK, FL 327897109 | METROPOLITAN LIFE INSURANCE COMPANY | $147K | -$7K | $140K | 9.69% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD WINTER PARK, FL 32789 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 0.90% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC DBA THE BAILEY | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $16 | $7K | 0.47% |
| JOHN R STONER ORGANIZATION INC3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD DBA H | 12450 BRANTLEY COMMONS CT FORT MEYERS, FL 33907 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $66 | $3K | 0.23% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES | PO BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $585 | $2K | 0.15% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $202 | $2K | 0.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY, BLDG 2, SUITE 125 AUSTIN, TX 787466646 | METROPOLITAN LIFE INSURANCE COMPANY | $534 | — | $534 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OFAMERICA LOC CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $339 | $339 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $99 | $99 | 0.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $83 | $83 | 0.01% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES LLC | 2301 NW 87TH AVE, SUITE 401 DORAL, FL 331722411 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44 | $44 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | PO BOX 1788 GRAND RAPID, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.00% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5 | $5 | 0.00% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP D/B/A SELECT | 300 PRIMERA BLVD STE 140 LAKE MARY, FL 32746 | SAFE GUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | — | $2K | 6.39% |
| JOHN R STONER ORGANIZATION INC3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 33701 | SAFE GUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | — | $2K | 6.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. - DA | PO BOX 745961 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $120 | $3K | 10.61% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $633 | $633 | 2.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $251 | $251 | 1.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HOLIFIELD LAW, PLLC EIN 81-0932795 LEGAL COUNSEL | Legal Service code 29 | 11907 KINGSTON PIKE SUITE 201 KNOXVILLE, TN 37934 | $29K |
| LBMC, PC EIN 62-1199757 AUDITOR | Accounting (including auditing) Service code 10 | — | $25K |
| SOVOS COMPLIANCE LLC NONE | Accounting (including auditing) Service code 10 | 200 BALLARDVALE ST, 4TH FLOOR WILMINGTON, MA 01887 | $6K |
| MILLIMAN NONE | Consulting (general) Service code 16 | 18205 CAPITOL AVENUE SUITE 400 OMAHA, NE 68022 | $6K |
| OSWALD AND SCOTT, PA EIN 06-1660624 AUDITOR | Accounting (including auditing) Service code 10 | 605 EAST ROBINSON STREET SUITE 522 ORLANDO, FL 32801 | $705 |
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 | 3,259 | 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) | 3,259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,259 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,259 | $1.4M |
| Prescription drug | HEALTH OPTIONS | 628 | $7.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 1,201 | $17.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,259 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.