| 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 | $25K | $0 | $25K | 4.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT CHICAGO, IL 60604 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 9.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 1027 CLEARWATER, FL 33757 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 16.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SW 37TH AVE MIAMI, FL 33135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $12 | $1K | 3.23% |
| THE FAMILY INSURANCE DISCOUNT3 | 12010 SW 135TH TER. MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $379 | $42 | $421 | 1.18% |
| MIS BENEFITS CONSULTANTS INC3 Filed as: MIS BENEFITS CONSULTANTS, INC. | 1800 PURDY AVE, APT 1415 MIAMI BEACH, FL 33139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | $120 | $400 | 1.12% |
| HAYS COMPANIES, INC.3 | 80 S. 8TH ST. MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $371 | — | $371 | 1.04% |
| CHERYL ANN HERNANDEZ3 | 833 SW CURRY ST. PORT ST. LUCIE, FL 34983 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $127 | $309 | 0.86% |
| IRENE SHULGIN3 | 10400 BUENOS AIRES ST. COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $56 | $263 | 0.73% |
| FINANCIAL DESIGNS INC3 Filed as: FINANCIAL DESIGNS, INC. | 8000 NW 7TH ST. MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 0.73% |
| MELZER SUPPLEMENTAL BENEFITS INC3 Filed as: MELZER SUPPLEMENTAL BENEFITS, INC. | 4801 1/2 ELM AVE FORT PIERCE, FL 34982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.30% |
| JOSEPH A STALTARE3 | 11085 SACCO DR. BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.29% |
| HOVIE AGENCY LLC3 Filed as: HOVIE AGENCY, LLC. | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.25% |
| YESSICA BERTI FROMETA3 | 20784 NE 5TH CT. MIAMI, FL 33179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $2 | $76 | 0.21% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $1 | $71 | 0.20% |
| ZUNILDA CONFORTE PA3 | 21205 NE 37TH AVE AVENTURA, FL 33180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.18% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS, INC. | 14716 SW 112 TER. MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $19 | $48 | 0.13% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS, INC. | 14716 SW 112 TER. MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $13 | $42 | 0.12% |
| CHARLES LEONARD HERNANDEZ3 | 833 SW CURRY ST. PORT ST. LUCIE, FL 34963 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.09% |
| JANET S DOHERTY3 | 1302 W AJO WAY, UNIT 230 TUSCON, AZ 85713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.09% |
| LILIANA C BOSCH3 | 22861 SW 114TH PATH MIAMI, FL 33170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.09% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT. DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD, BLDG C SOUTH PORTLAND, ME 04106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.06% |
| ANA ELISA FURNISS3 | 9022 SW 123RD CT., APT O-402 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.06% |
| ADVANCED AGENTS INC3 Filed as: ADVANCED AGENTS INC. | 1488 CORONADO RD WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.05% |
| EM PROPERTY & CASUALTY LLC3 Filed as: EM PROPERTY & CASUALTY, LLC | 13500 SW 88TH ST., STE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $2 | $13 | 0.04% |
| VIRGINIA RAE SHADOWENS3 | 11940 NW 30TH PL SUNRISE, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| CANDICE KLEE3 | 16569 77TH LANE N LOXAHATCHEE, FL 33470 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.03% |
| LISA M RUSSEY3 | 10380 NW 52 ST. CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| KYLE RUSSEY3 | 10380 NW 52ND ST. CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES, INC. | 10380 NW 52 ST. CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| LAWRENCE DAVID FURNISS3 | 19525 LENAIRE DR. MIAMI, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| DAVID CHRISTOPHER NUNES3 | 11332 SW 133 PL. MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| LUC JOSEPH3 | 548 NW 51ST ST. MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ALEJANDRO VILLASUSO3 | 412 SW TALQUIN LANE PORT ST. LUCIE, FL 34986 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| BETTER CHOICE HEALTH LLC3 Filed as: BETTER CHOICE HEALTH, LLC | 4461 NE 30 AVE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT CT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 8.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 10368 WEST STATE RD 84 SUITE DAVIE, FL 33324 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT CT. SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $438 | — | $438 | 1.82% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AVMED | 86 | $527K |
| Dental | AETNA LIFE INSURANCE CO. | 143 | $59K |
| Vision | AETNA LIFE INSURANCE CO. | 143 | $59K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $72K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $72K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.