| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 777 SW 37TH AVENUE SUITE 500 MIAMI, FL 33135 | AETNA HEALTH, INC. | — | $5K | $5K | 0.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 777 SW 37TH AVENUE SUITE 500 MIAMI, FL 33135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 10.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 777 SW 37TH AVENUE SUITE 500 MIAMI, FL 33135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $241 | $2K | 17.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 777 SW 37TH AVENUE SUITE 500 MIAMI, FL 33135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $458 | $2K | 20.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 777 SW 37TH AVENUE SUITE 500 MIAMI, FL 33135 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $742 | $189 | $931 | 12.55% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $658 | — | $658 | 9.00% |
| MDW INSURANCE GROUP INC.3 Filed as: MDW INSURANCE GROUP | 777 SW 37TH AVENUE SUITE 500 MIAMI, FL 33135 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $583 | — | $583 | 7.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 777 SW 37TH AVENUE SUITE 500 MIAMI, FL 33135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $991 | $153 | $1K | 17.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 777 SW 37TH AVENUE STE. 500 MIAMI, FL 33135 | AFLAC | $467 | — | $467 | 12.07% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $406 | $49 | $455 | 11.76% |
| MARIA C ORTIZ3 | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $61 | — | $61 | 1.58% |
| ANA MARIA LEON3 Filed as: ANA R COHEN | 5741 SW 45TH TERRACE MIAMI, FL 33155 | AFLAC | $47 | — | $47 | 1.21% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $25 | $11 | $36 | 0.93% |
| VICTORIA FERNANDEZ SASTRE3 | 13025 SW 107TH COURT MIAMI, FL 33176 | AFLAC | $16 | $19 | $35 | 0.90% |
| CHRISTINA DIANE HARRIMAN3 | 6810 SW 134TH AVENUE MIAMI, FL 33183 | AFLAC | $2 | — | $2 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $2 | — | $2 | 0.05% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $2 | — | $2 | 0.05% |
| CHRISTINE M SINTAY3 | 1972 ALCOVA RIDGE DRIVE LAS VEGAS, NV 89135 | AFLAC | $1 | — | $1 | 0.03% |
| MARIA ORBE3 | 8362 PINES BLVD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | — | $1 | 0.03% |
| C HUDSON AND ASSOCIATES3 Filed as: C HUDSON ASSOCIATES | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $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 | 141 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 121 | $635K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $35K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16 | $10K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.