| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 271 W CANTON AVE WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA - HMO | $46K | — | $46K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 271 W CANTON AVE WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA - BLUE OPTION | $23K | — | $23K | 6.00% |
| MELISSA L PRACON3 | 611 QUAIL AVENUE LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 13.28% |
| LUIS A DIAZ3 | 1634 HILLCREST ST ORLANDO, FL 328034810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.82% |
| HOLLY A REMUS3 | 8324 BRANDEIS CIRCLE E SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.36% |
| HIGH INTERNATIONAL FLORIDA3 | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA | $6K | $51 | $6K | 10.09% |
| MELISSA L PRACON3 | 611 QUALI AVE LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 16.02% |
| LUIA A DIAZ3 | 1634 HILLCREST ST ORLANDO, FL 328034810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.79% |
| HOLLY A REMUS3 | 8324 BRANDEIS CIRCLE E SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | EYEMED VISION CARE | $1K | — | $1K | 10.59% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA - HMO | 117 | $1.2M |
| Dental | UNITED OF OMAHA | 129 | $56K |
| Vision | EYEMED VISION CARE | 210 | $11K |
| Life insurance(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 54 | $81K |
| Long-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 54 | $81K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA - HMO | 117 | $1.2M |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 54 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.