| 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 | $84K | $0 | $84K | 4.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $0 | $25K | 12.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LA SALLE ST FLOOR 20 WINTER PARK, FL 60601 | AFLAC | $44K | $0 | $44K | 40.16% |
| MAXIMO CABRERA3 | 4353 W WHITEWATER AVE WESTON, FL 33332 | AFLAC | $10K | $967 | $11K | 9.71% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS | PO BOX 26570 FT LAUDERDALE, FL 33320 | AFLAC | $779 | $0 | $779 | 0.71% |
| ERICA JULIAO FERRER3 | 1857 GREAT FALLS WAY ORLANDO, FL 32824 | AFLAC | $628 | $0 | $628 | 0.57% |
| RUML CORPORATION3 | 8888 NW 2ND ST CORAL SPRINGS, FL 33071 | AFLAC | $323 | $206 | $529 | 0.48% |
| MARCO A ERAZO3 Filed as: MARCO A ERZAO | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $273 | $0 | $273 | 0.25% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $237 | $0 | $237 | 0.21% |
| TOMAS E FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $219 | $0 | $219 | 0.20% |
| FREDERICK S BOCK3 | 6193 BAY ISLES DR BOYNTON BEACH, FL 33437 | AFLAC | $52 | $0 | $52 | 0.05% |
| CHRISTOPHER C HAYWARD3 | 4921 BONSAI CIR APT 211 PLAM BEACH, FL 33418 | AFLAC | $35 | $0 | $35 | 0.03% |
| SHELTON FRIEDMAN3 | 11 EDGEMONT PL TEANECK, NJ 07666 | AFLAC | $30 | $0 | $30 | 0.03% |
| STEVEN MARK ABRAMS3 | 22922 IRONWEDGE DR BOCA RATON, FL 33433 | AFLAC | $25 | $0 | $25 | 0.02% |
| CINDY DEBRA WEISS3 | PO BOX 149505 ORLANDO, FL 32814 | AFLAC | $24 | $0 | $24 | 0.02% |
| MEGAN MARIE MCCARRELL3 | 2360 W COUNTY ROAD 44 EUSTIS, FL 32726 | AFLAC | $20 | $0 | $20 | 0.02% |
| SUZANN T EUSEPI-GREEN3 | 216 RIVER DR TEQUESTA, FL 33469 | AFLAC | $19 | $0 | $19 | 0.02% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $12 | $0 | $12 | 0.01% |
| GERARD F MCCARTHY3 | 8944 NW 52ND CT CORAL SPRINGS, FL 33067 | AFLAC | $8 | $0 | $8 | 0.01% |
| MICHAEL K PORTER3 | 4000 HOLLYWOOD BLVD STE 555S HOLLYWOOD, FL 33021 | AFLAC | $6 | $0 | $6 | 0.01% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 2908 TIMEWINDER WAY COLUMBIA, TN 38401 | AFLAC | $3 | $0 | $3 | 0.00% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $3 | $0 | $3 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $3 | $0 | $3 | 0.00% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $3 | $0 | $3 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $1 | $0 | $1 | 0.00% |
| MAXIMO CABRERA3 | 4353 W WHITEWATER AVE WESTON, FL 33332 | AFLAC | $3K | $149 | $3K | 13.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LA SALLE ST FLOOR 20 WINTER PARK, FL 60601 | AFLAC | $1K | $0 | $1K | 5.94% |
| ERICA JULIAO FERRER3 | 1857 GREAT FALLS WAY ORLANDO, FL 32824 | AFLAC | $250 | $0 | $250 | 1.06% |
| RUMIL CORPORATION3 | 8888 NW 2ND ST CORAL SPRINGS, FL 33071 | AFLAC | $34 | $35 | $69 | 0.29% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS | PO BX 26570 FT LAUDERDALE, FL 33320 | AFLAC | $65 | $0 | $65 | 0.27% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $42 | $0 | $42 | 0.18% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $18 | $0 | $18 | 0.08% |
| TOMAS E FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $14 | $0 | $14 | 0.06% |
| MEGAN MARIE MCCARRELL3 | 2360 W COUNTY ROAD 44 EUSTIS, FL 32726 | AFLAC | $0 | $0 | $0 | 0.00% |
| CINDY DEBRA WEISS3 | PO BOX 149505 ORLANDO, FL 32814 | 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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 173 | $2.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $206K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $206K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $340K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $206K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 173 | $2.0M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.