| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 33907 | HEALTH OPTIONS | $46K | — | $46K | 4.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 33907 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 3.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DRIVE STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $565 | — | $565 | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DRIVE STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $450 | — | $450 | 1.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DRIVE STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $336 | — | $336 | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | STANDARD INSURANCE COMPANY | $955 | — | $955 | 6.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DRIVE STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $603 | — | $603 | 4.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $113 | — | $113 | 0.83% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 78 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 101 | $71K |
| Vision | STANDARD INSURANCE COMPANY | 94 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 151 | $28K |
| Short-term disability | STANDARD INSURANCE COMPANY | 53 | $22K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 78 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.