| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $11K | $33K | 13.09% |
| D J FISHER & ASSOC INC3 Filed as: D. J. FISHER AND ASSOCIATES, INC. | 4117 FAIRVIEW VISTA POINTE SUITE 202 ORLANDO, FL 32804 | AFLAC | $21K | $2K | $23K | 14.11% |
| MJ INSURANCE3 Filed as: TLW VENTURES LLC AND VARIOUS AGENTS | 614 EAST HIGHWAY 50, SUITE 338 CLERMONT, FL 34711 | AFLAC | $2K | $69 | $2K | 1.29% |
| TERESA A RUCKER3 Filed as: TERESA RUCKER | 6248 BORDEAUX CIRCLE SANFORD, FL 32771 | AFLAC | $2K | $312 | $2K | 1.26% |
| A & M BONURA & ASSOCIATES INC3 Filed as: A AND M BONURA AND ASSOCIATES, INC. | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $1K | $36 | $1K | 0.67% |
| THOMAS BABINGTON3 | 30330 ONO NORTH LOOP WEST ORANGE BEACH, AL 36561 | AFLAC | $709 | $146 | $855 | 0.53% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBER ENTERPRISES, INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $478 | $3 | $481 | 0.30% |
| MKF & ASSOCIATES INC3 Filed as: MKF AND ASSOCIATES, INC. | 4505 PINE TREE CIRCLE, SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $312 | — | $312 | 0.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $3K | — | $3K | 9.98% |
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 | 426 | 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) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $253K |
| Vision | EYEMED VISION CARE | 374 | $30K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $253K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $253K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $253K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.