| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 10368 W STATE ROAD 84, SUITE 201 DAVIE, FL 33324 | AVMED HEALTH PLANS | $24K | — | $24K | 5.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT CHICAGO, IL 60604 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 9.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SOUTHWEST 37TH AVE MIAMI, FL 33135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $985 | $79 | $1K | 3.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $370 | — | $370 | 1.06% |
| MIS BENEFITS CONSULTANTS INC3 | 1800 PURDY AVENUE MIAMI BEACH, FL 33139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | $30 | $278 | 0.79% |
| FINANCIAL DESIGNS INC3 | 8000 NW 7TH STREET MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $244 | — | $244 | 0.70% |
| CHERYL ANN HERNANDEZ3 | 833 SW CURRY STREET PORT ST LUCIE, FL 34983 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $52 | $205 | 0.59% |
| IRENE SHULGIN3 | 10400 BUENOS AIRES ST COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $17 | $196 | 0.56% |
| LILIANA C BOSCH3 | 22861 SW 114TH PATH MIAMI, FL 33170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 0.54% |
| ANA AIZCORBE3 Filed as: ANA ELISE FURNISS | 19525 LENAIRE DR MIAMI, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $2 | $123 | 0.35% |
| MELZER SUPPLEMENTAL BENEFITS INC3 Filed as: MELZER SUPPLEMENTAL BENEFITS INC. | 4801 1/2 ELM AVE FORT PIERCE, FL 34982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 0.33% |
| JOSEPH A STALTARE3 | 11085 SACCO DR BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.28% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.27% |
| LAWRENCE DAVID FURNISS3 | 19525 LENAIRE DR MIAMI, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.24% |
| VIRGINIA RAE SHADOWENS3 | 11940 NW 30TH PLACE SUNRISE, FL 33343 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.23% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $4 | $77 | 0.22% |
| ZUNILDA CONFORTE PA3 | 21205 NE 37TH AVE AVENTURA, FL 33180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.15% |
| CHARLES LEONARD HERNANDEZ3 | 833 SW CURRY ST PORT ST LUCIE, FL 34963 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.09% |
| JANET S DOHERTY3 | 17328 E ADRIATIC PL AURORA, CO 80013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.09% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.07% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD BLDG C SOUTH PORTLAND, ME 04106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| ADVANCED AGENTS INC3 | 1488 CORONADO RD WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.05% |
| DAVID CHRISTOPHER NUNES3 | 11332 SW 133 PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| ALEJANDRO VILLASUSO3 | 412 SW TALQUIN LANE PORT ST LUCIE, FL 34986 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| CANDICE KLEE3 | 16569 77TH LANE N LOXAHATCHEE, FL 33470 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| AMY E COHEN3 | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| LISA M RUSSEY3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| KYLE RUSSEY3 | 11038 MAINSAIL DR HOLLYWOOD, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| WILLIAM GARDNER EICHHORN3 | 3450 CHAPEL CREEK CIR WESLEY CHAPEL, FL 33544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LUC JOSEPH3 | 548 NW 51ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| BETTER CHOICE HEALTH LLC3 | 4461 NE 30TH AVE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1027 CLEARWATER, FL 33757 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.95% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 10368 W STATE ROAD 84, SUITE 201 DAVIE, FL 33324 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 8.00% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AVMED HEALTH PLANS | 87 | $501K |
| Dental | AETNA LIFE INSURANCE COMPANY | 138 | $52K |
| Vision | AETNA LIFE INSURANCE COMPANY | 138 | $52K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $32K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $32K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.