| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 336092593 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $2K | $9K | 1.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.99% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| MDW INSURANCE GROUP INC.3 Filed as: MDW INSURANCE GROUP | 777 SW 37TH AVENUE SUITE 500 MIAMI, FL 33135 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $866 | — | $866 | 8.06% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC - PASTEL | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | -$4 | — | -$4 | -0.04% |
| AMERICAN HEALTH ACCESS INC3 Filed as: AMERICAN HEALTH ACCESS | 255 ALHAMBRA CR SUITE 1200 CORAL GABLES, FL 33134 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | -$6 | — | -$6 | -0.06% |
| CHRISTINA DIANE HARRIMAN3 | 6810 SW 134TH AVENUE MIAMI, FL 33183 | AFLAC | $405 | $81 | $486 | 6.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 777 SW 37TH AVENUE STE. 500 MIAMI, FL 33135 | AFLAC | $354 | — | $354 | 4.52% |
| MARIA C ORTIZ3 | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $285 | $47 | $332 | 4.24% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $301 | — | $301 | 3.85% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $166 | $32 | $198 | 2.53% |
| ANA MARIA LEON3 Filed as: ANA R COHEN | 5741 SW 45TH TERRACE MIAMI, FL 33155 | AFLAC | $154 | — | $154 | 1.97% |
| VICTORIA FERNANDEZ SASTRE3 | 13025 SW 107TH COURT MIAMI, FL 33176 | AFLAC | $59 | — | $59 | 0.75% |
| MDW INSURANCE GROUP INC.3 | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | AFLAC | $41 | — | $41 | 0.52% |
| JESSICA MIRANDA VILLA3 | 11 SW 32ND AVENUE APT 9 MIAMI, FL 33135 | AFLAC | $11 | — | $11 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $6 | — | $6 | 0.08% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $5 | — | $5 | 0.06% |
| CHRISTINE M SINTAY3 | 1972 ALCOVA RIDGE DRIVE LAS VEGAS, NV 89135 | AFLAC | $3 | — | $3 | 0.04% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $2 | — | $2 | 0.03% |
| MARIA ORBE3 | 8362 PINES BLVD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $2 | — | $2 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $982 | — | $982 | 14.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $152 | — | $152 | 14.17% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $704K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $704K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $704K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $705K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 19 | $12K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $722K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.