| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 WEST KENNEDY BLVD SUITE 850 TAMPA, FL 33609 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $32K | $32K | 5.18% |
| YASMIN GONZALEZ3 | 1651 TERRACE ST COCOA, FL 32922 | AFLAC | $3K | — | $3K | 27.75% |
| JANINE S WEBB3 | 117 BERKELEY ST SATELLITE BEACH, FL 32937 | AFLAC | $629 | — | $629 | 6.87% |
| BONNETT AND ASSOCIATES LLC3 | 7 OAK ST UNIT 102 COCOA, FL 32922 | AFLAC | $433 | — | $433 | 4.73% |
| BRIAN FALK3 | P BOX 1073 FLAGLER BEACH, FL 32136 | AFLAC | $132 | — | $132 | 1.44% |
| REBEKAH L FUSSELL3 | 11007 CREIGHTON DR ORLANDO, FL 32817 | AFLAC | $42 | — | $42 | 0.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET FLOOR 20 WINTER PARK, FL 60601 | AFLAC | $28 | — | $28 | 0.31% |
| ERIKA LYNN SPENCER3 | 3507 PIXIE LN SAINT CLOUD, FL 34772 | AFLAC | $18 | — | $18 | 0.20% |
| A & M BONURA & ASSOCIATES INC3 | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $12 | — | $12 | 0.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: ALLEX VERNARD MCGRIFF | 2674 NEWBOLT DR ORLANDO, FL 32817 | AFLAC | $1 | — | $1 | 0.01% |
| DEREK B VICKERS3 | 1365 BLUE STEM LN WINTER PARK, FL 32792 | AFLAC | $1 | — | $1 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $615 | $2K | 22.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATION MIDWEST LIMITED | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $863 | $392 | $1K | 21.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $789 | $402 | $1K | 22.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1125 SOUTH CHURCH STREET BURLINGTON, NC 27216 | SUPERIOR VISION PLAN | $421 | — | $421 | 10.05% |
| HUNT JANICE L3 | 2620 RED SKY CT BURLINGTON, KY 41005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 2.35% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 1.34% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.94% |
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 | 99 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 70 | $625K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 70 | $625K |
| Vision | SUPERIOR VISION PLAN | 58 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 21 | $6K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 70 | $625K |
| Other(4 contracts, 3 carriers) | AFLAC | 101 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.