| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE AGENCY | 365 PALERMO AVE CORAL GABLES, FL 331346607 | HUMANA MEDICAL PLAN, INC. | $40K | — | $40K | 7.47% |
| BERNAL AND ASSOCIATES INC3 | 5172 SW 137TH TER MIRAMAR, FL 330275903 | HUMANA MEDICAL PLAN, INC. | $13K | — | $13K | 2.49% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE AGENCY | 365 PALERMO AVE CORAL GABLES, FL 331346607 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 11.19% |
| BERNAL AND ASSOCIATES INC3 | 5172 SW 137TH TER MIRAMAR, FL 330275903 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 3.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | HUMANA INSURANCE COMPANY | $157 | — | $157 | 0.25% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE AGENCY | 365 PALERMO AVE CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.33% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE AGENCY | 365 PALERMO AVE CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INS INC | 365 PALERMO AVE CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.06% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE AGENCY | 365 PALERMO AVE CORAL GABLES, FL 331346607 | COMPBENEFITS COMPANY | $257 | — | $257 | 11.23% |
| BERNAL AND ASSOCIATES INC3 | 5172 SW 137TH TER MIRAMAR, FL 330275903 | COMPBENEFITS COMPANY | $86 | — | $86 | 3.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | COMPBENEFITS COMPANY | $17 | — | $17 | 0.74% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| HECTOR FORTUN3 | 365 PALERMO AVE CORAL GABLES, FL 33134 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC - JULI | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $403 | — | $403 | — |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 81 | $529K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 179 | $64K |
| Vision | HUMANA INSURANCE COMPANY | 179 | $62K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $34K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26 | $15K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $32K |
| Other(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.