| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $18K | $43K | 14.48% |
| D J FISHER & ASSOC INC3 Filed as: DJ FISHER AND ASSOCIATES INC | 4117 FAIRVIEW VISTA POINT SUITE 202 ORLANDO, FL 32804 | AFLAC | $21K | $407 | $21K | 12.07% |
| DH2 ENTERPRISES INC3 | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $2K | $86 | $2K | 1.33% |
| A & M BONURA & ASSOCIATES INC3 | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $1K | $0 | $1K | 0.65% |
| MJ INSURANCE3 Filed as: TERESA A RUCKER AND VARIOUS AGENTS | 6248 BORDEAUX CIRCLE SANFORD, FL 32771 | AFLAC | $510 | $0 | $510 | 0.29% |
| JOYCE WEBER ENTERPRISES INC3 | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $391 | $0 | $391 | 0.22% |
| MJ INSURANCE3 Filed as: THOMAS BABINGTON AND VARIOUS AGENTS | 30330 ONO NORTH LOOP WEST ORANGE BEACH, AL 36561 | AFLAC | $383 | $0 | $383 | 0.22% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIRCLE, SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $249 | $0 | $249 | 0.14% |
| THE HR LADY LLC3 | 4855 COUNTY ROAD 146, LOT 47 WILDWOOD, FL 34785 | AFLAC | $238 | $0 | $238 | 0.13% |
| TERESA A RUCKER3 | 6248 BORDEAUX CIRCLE SANFORD, FL 32771 | AFLAC | $139 | $0 | $139 | 0.08% |
| AMINA PENASA3 | 11521 SOLAYA WAY, SUITE 201 ORLANDO, FL 32821 | AFLAC | $123 | $0 | $123 | 0.07% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DRIVE, SUITE 102 LAUREL, MD 20707 | AFLAC | $109 | $0 | $109 | 0.06% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 10.06% |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 379 | $300K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 331 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 379 | $300K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 379 | $300K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 379 | $300K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 379 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.