| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVENUE STE 750 PO BOX 1480 WINTER PARK, FL 327895552 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $47 | $9K | 10.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 W MADISION 4TH FL - BOA LOCK BOX CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $908 | $908 | 1.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 4830 WEST KENNEDY BLVD. STE 850 TAMPA, FL 33609 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $816 | $8K | 10.92% |
| MAXIMO CABRERA3 | 4353 W WHITEWATER AVE WESTON, FL 33332 | AFLAC | $7K | $563 | $8K | 11.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET FLOOR 20 WINTER PARK, FL 60601 | AFLAC | $3K | $0 | $3K | 4.67% |
| RUMIL CORPORATION3 | 8888 NW 2ND ST CORAL SPRINGS, FL 33071 | AFLAC | $641 | $7 | $648 | 0.98% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS | 1000 E BROWARD BLVD FT LAUDERDALE, FL 33301 | AFLAC | $458 | $0 | $458 | 0.69% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $219 | $124 | $343 | 0.52% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $163 | $0 | $163 | 0.25% |
| TOMAS E FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $152 | $0 | $152 | 0.23% |
| EDWARD JOHN BOSELLI3 | 3207 CLINT MOORE RD APT 101 BOCA RATON, FL 33496 | AFLAC | $48 | $0 | $48 | 0.07% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 N ANDREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $45 | $0 | $45 | 0.07% |
| FREDERICK S BOCK3 | 6193 BAY ISLES DR BOYNTON BEACH, FL 33437 | AFLAC | $24 | $0 | $24 | 0.04% |
| MEGAN MARIE MCCARRELL3 | 2360 W COUNTY ROAD 44 EUSTIS, FL 32726 | AFLAC | $18 | $0 | $18 | 0.03% |
| CHRISTOPHER C HAYWARD3 | 4921 BONSAI CIR APT 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $16 | $0 | $16 | 0.02% |
| CINDY DEBRA WEISS3 | PO BOX 149505 ORLANDO, FL 32814 | AFLAC | $15 | $0 | $15 | 0.02% |
| SHELDON FRIEDMAN3 | 11 EDGEMONT PL TEANECK, NJ 07666 | AFLAC | $14 | $0 | $14 | 0.02% |
| SUZANN T EUSEPI-GREEN3 | 216 RIVER DR TEQUESTA, FL 33469 | AFLAC | $9 | $0 | $9 | 0.01% |
| STEVEN MARK ABRAMS3 | 22921 IRONWEDGE DR BOCA RATON, FL 33433 | AFLAC | $8 | $0 | $8 | 0.01% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $5 | $0 | $5 | 0.01% |
| GERARD F MCCARTHY3 | 8944 NW 52ND CT CORAL SPRINGS, FL 33067 | AFLAC | $4 | $0 | $4 | 0.01% |
| L A D FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $3 | $0 | $3 | 0.00% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $1 | $0 | $1 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | $0 | $1 | 0.00% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | $0 | $1 | 0.00% |
| L A D FINANCIAL CORP3 | 18478 CLAYBROOK ST JUPITER, FL 33458 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $0 | $0 | $0 | 0.00% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $77K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $77K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $85K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $151K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $85K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.