| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST UNLIMITED | 1560 ORANGE AVENUE, STE. 750 WINTER PARK, FL 32789 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $63K | $67K | 3.45% |
| HICKS ARMOR3 Filed as: HICKS & LAW INSURORS, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $31K | $34K | 1.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVENUE, STE. 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 18.34% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE, STE. 305 FORT LAURDERDALE, FL 33334 | EYEMED VISION CARE | $363 | $0 | $363 | 2.18% |
| RICHARD S. BERNSTEIN & ASSOCIATES0 Filed as: RICHARD S BERNSTEIN & ASSOCIATES, I | 1551 FORUM PLACE, STE 300A WEST PALM BEACH, FL 33401 | EYEMED VISION CARE | $363 | $0 | $363 | 2.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 ORANGE AVENUE, STE. 750 WINTER PARK, FL 32789 | EYEMED VISION CARE | $123 | $0 | $123 | 0.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVENUE, STE. 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 8.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE, STE. 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $442 | $0 | $442 | 3.42% |
| DAVID ADAMS3 Filed as: DAVID B. ADAMS | 600 CORPORATE DRIVE, STE. 305 FORT LAURDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $414 | $0 | $414 | 3.20% |
| R S BERNSTEIN & ASSOCIATES3 | 1551 FORUM PLACE, STE. 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $414 | $0 | $414 | 3.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVENUE, STE. 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $895 | $0 | $895 | 31.67% |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 382 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 382 | $1.9M |
| Vision | EYEMED VISION CARE | 424 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $13K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $60K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.