| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | 1200 SOUTHWEST 145TH AVENUE STE 140-A PEMBROKE PINES, FL 330276239 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | — | $33K | 6.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC-6129 | 1200 SOUTHWEST 145TH AVE STE 140-A PEMBROKE PINES, FL 330276239 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 6.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | 13710 FNB PKWY STE 400 OMAHA, NE 681545298 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 8.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 10739 DEERWOOD PARK BLVD STE 2 JACKSONVILLE, FL 322564839 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 5.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LTD | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.97% |
| HOORAY HEALTH LLC3 Filed as: HOORAY HEALTH, LLC | 14755 PRESTON ROAD STE 130 DALLAS, TX 75254 | ZURCH AMERICAN INSURANCE COMPANY | $16K | — | $16K | 18.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | ZURCH AMERICAN INSURANCE COMPANY | $7K | — | $7K | 8.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | ZURCH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.33% |
| HOORAY HEALTH LLC3 Filed as: HOORAY HEALTH, LLC | 14755 PRESTON ROAD STE 130 DALLAS, TX 75254 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 10.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 5.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 4.08% |
| HOORAY HEALTH LLC3 Filed as: HOORAY HEALTH, LLC | 14755 PRESTON ROAD STE 130 DALLAS, TX 75254 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 15.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | AMERITAS LIFE INSURANCE CORP | $378 | — | $378 | 4.05% |
| HOORAY HEALTH LLC3 Filed as: HOORAY HEALTH, LLC | 14755 PRESTON ROAD STE 130 DALLAS, TX 75254 | BEAZLEY INSURANCE COMPANY, INC. | $883 | — | $883 | 11.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | BEAZLEY INSURANCE COMPANY, INC. | $635 | — | $635 | 8.37% |
| HOORAY HEALTH LLC3 Filed as: HOORAY HEALTH, LLC | 14755 PRESTON ROAD STE 130 DALLAS, TX 75254 | BEAZLEY INSURANCE COMPANY, INC. | $948 | — | $948 | 12.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | BEAZLEY INSURANCE COMPANY, INC. | $566 | — | $566 | 7.48% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE SUITE 200 MIRAMAR, FL 33027 | SOLSTICE BENEFITS, INC | $275 | — | $275 | 6.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | DBA HUB INTERNATIONAL FLORIDA 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | SOLSTICE BENEFITS, INC | $181 | — | $181 | 3.97% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 95 | $880K |
| Dental(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $170K |
| Vision(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $233K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $144K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $144K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $137K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 95 | $880K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.