| 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. | $30K | — | $30K | 4.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC - HOMESTEAD | 1780 N KROME AVE PO BOX 901505 HOMESTEAD, FL 33090 | HUMANA MEDICAL PLAN, INC. | $8K | — | $8K | 1.25% |
| BERNAL AND ASSOCIATES INC3 | 5172 SW 137TH TER MIRAMAR, FL 330275903 | HUMANA MEDICAL PLAN, INC. | $7K | — | $7K | 1.09% |
| CORA JOURNEY3 | 7563 NW 70TH AVE PARKLAND, FL 33067 | HUMANA MEDICAL PLAN, INC. | $3K | $166 | $3K | 0.52% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE AGENCY | 365 PALERMO AVE CORAL GABLES, FL 331346607 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 9.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC - HOMESTEAD | 1780 N KROME AVE PO BOX 901505 HOMESTEAD, FL 33090 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 2.51% |
| BERNAL AND ASSOCIATES INC3 | 5172 SW 137TH TER MIRAMAR, FL 330275903 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 2.28% |
| CORA JOURNEY3 | 7563 NW 70TH AVE PARKLAND, FL 33067 | HUMANA INSURANCE COMPANY | $667 | — | $667 | 0.99% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 9.99% |
| HECTOR FORTUN3 | 365 PALERMO AVE CORAL GABLES, FL 33134 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 6.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 1780 KROME AVE HOMESTEAD, FL 33030 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $457 | — | $457 | 1.23% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE AGENCY | 365 PALERMO AVE CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 8825 NW 21ST TERRACE DORAL, FL 33172 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $475 | $24 | $499 | 2.61% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE AGENCY | 365 PALERMO AVE CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 8825 NW 21ST TERRACE DORAL, FL 33172 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $336 | $17 | $353 | 2.63% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE AGENCY | 365 PALERMO AVE CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC | 8825 WN 21ST TERRACE DORAL, FL 33172 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $336 | $17 | $353 | 2.86% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE AGENCY | 365 PALERMO AVE CORAL GABLES, FL 331346607 | COMPBENEFITS COMPANY | $232 | — | $232 | 9.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC - HOMESTEAD | 1780 N KROME AVE PO BOX 901505 HOMESTEAD, FL 33090 | COMPBENEFITS COMPANY | $75 | — | $75 | 2.92% |
| BERNAL AND ASSOCIATES INC3 | 5172 SW 137TH TER MIRAMAR, FL 330275903 | COMPBENEFITS COMPANY | $53 | — | $53 | 2.06% |
| CORA JOURNEY3 | 7563 NW 70TH AVE PARKLAND, FL 33067 | COMPBENEFITS COMPANY | $25 | — | $25 | 0.97% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 77 | $641K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 107 | $70K |
| Vision | HUMANA INSURANCE COMPANY | 107 | $68K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $33K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $13K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $32K |
| Other(7 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 191 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.