| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 362 MINORCA AVENUE SUITE 500 CORAL GABLES, FL 33134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $122 | — | $122 | 4.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 362 MINORCA AVENUE SUITE 500 CORAL GABLES, FL 33134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $157 | — | $157 | 15.02% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $84 | — | $84 | 9.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 WEST STATE ROAD 84 SUITE 201 DAVIE, FL 33324 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $74 | — | $74 | 7.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 362 MINORCA AVENUE SUITE 500 CORAL GABLES, FL 33134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $114 | — | $114 | 14.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 362 MINORCA AVENUE SUITE 500 CORAL GABLES, FL 33134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $112 | — | $112 | 15.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 362 MINORCA AVENUE SUITE 500 CORAL GABLES, FL 33134 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51 | — | $51 | 9.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 777 SW 37TH AVENUE STE. 500 MIAMI, FL 33135 | AFLAC | $91 | — | $91 | 18.31% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $70 | — | $70 | 14.08% |
| MARSHALA MALLETT3 | 15540 SW 298TH TERRACE HOMESTEAD, FL 33033 | AFLAC | $13 | — | $13 | 2.62% |
| MARIA C ORTIZ3 | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $9 | — | $9 | 1.81% |
| ANA MARIA LEON3 Filed as: ANA R COHEN | 5741 SW 45TH TERRACE MIAMI, FL 33155 | AFLAC | $2 | — | $2 | 0.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 14.47% |
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 | 85 | 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) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 109 | $44K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $2K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 73 | $513 |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $820 |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17 | $762 |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18 | $1K |
| Other(4 contracts, 4 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 74 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.