| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 322564839 | HEALTH OPTIONS, INC. | $80K | — | $80K | 3.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 322564839 | BLUE CROSS BLUE SHIELD OF FLORIDA | $69K | — | $69K | 3.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 322564839 | METROPOLITAN LIFE INSURANCE COMPANY | $95K | $34K | $129K | 15.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16523 COLLECTION CENTER DR 40 W MADISON 4TH FLOOR BANK OF AMER CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 10739 DEERWOOD PARK BLVD. STE 200 JACKSONVILLE, FL 322564839 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 19.75% |
| 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 | — | $652 | $652 | 1.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 17.76% |
| 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 | — | $560 | $560 | 1.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 10739 DEERWOOD PARK BLVD. STE 200 JACKSONVILLE, FL 322564839 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.62% |
| 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 | — | $568 | $568 | 1.15% |
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 | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 869 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 367 | $4.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,232 | $811K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,232 | $811K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,232 | $811K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,232 | $811K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,232 | $811K |
| Prescription drug | HEALTH OPTIONS, INC. | 261 | $2.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,232 | $811K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,232 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.