| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 327895552 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $165K | $177K | 5.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 N. ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| MELISSA L PRACON3 | 611 QUAIL AVENUE LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.04% |
| LUIS A DIAZ3 | 1634 HILLCREST ST ORLANDO, FL 328034810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $808 | — | $808 | 2.21% |
| HOLLY A REMUS3 | 1265 BAILEY AVENUE DELTONA, FL 32725 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $572 | — | $572 | 1.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 N. ORANGE AVE STE 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | EYEMED VISION CARE | $2K | — | $2K | 9.23% |
| MELISSA L PRACON3 | 611 QUAIL AVENUE LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $876 | — | $876 | 5.33% |
| LUIS A DIAZ3 | 1634 HILLCREST ST ORLANDO, FL 328034810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $329 | — | $329 | 2.00% |
| HOLLY A REMUS3 | 1265 BAILEY AVENUE DELTONA, FL 32725 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $305 | — | $305 | 1.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 N. ORANGE AVE STE 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 N. ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $496 | — | $496 | 15.01% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 290 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 290 | $3.4M |
| Vision | EYEMED VISION CARE | 376 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $15K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $62K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 36 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.