| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | PO BOX 776371 STEAMBOAT SPRINGS, CO 80477 | BLUE CROSS BLUE SHIELD OF FLORIDA | $73K | $0 | $73K | 4.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | PO BOX 776371 STEAMBOAT SPRINGS, CO 80477 | BLUE CROSS BLUE SHIELD OF FLORIDA | $43K | $0 | $43K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 777 COMMERCE DRIVE FAIRFIELD, CT 06825 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $5K | $29K | 15.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 777 COMMERCE DRIVE FAIRFIELD, CT 06825 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 13.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 5 BRYANT PARK NEW YORK, NY 10018 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $887 | $0 | $887 | 10.05% |
| JK HALEY & ASSOCIATES3 Filed as: JK HALEY AND ASSOCIATES INC | 101 NORTH WACKER DRIVE, SUITE 612 CHICAGO, IL 60606 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | -$3 | $0 | -$3 | -0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 5 BRYANT PARK NEW YORK, NY 10018 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $520 | $0 | $520 | 11.82% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 95 | $2.4M |
| Dental(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $301K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 157 | $13K |
| Life insurance(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $301K |
| Short-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $301K |
| Long-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $301K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 95 | $2.4M |
| Other(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.