| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 2.03% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING | 13200 SW 128TH ST STE G1 FORT LAUDERDALE, FL 333093773 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 3230 W COMMERCIAL BLVD STE 360 FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 0.63% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE, INC DIGITAL INSU | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | HEALTH OPTIONS | $3K | — | $3K | 2.04% |
| EMPLOYER BENEFITS CONSULT3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | HEALTH OPTIONS | $2K | — | $2K | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 3230 W COMMERCIAL BLVD STE 360 FORT LAUDERDALE, FL 33309 | HEALTH OPTIONS | $922 | — | $922 | 0.66% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 7.57% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128 ST. BLDG G MIAMI, FL 33186 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST STE 2760 CHICAGO, IL 606614563 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.86% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $962 | — | $962 | 0.81% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 81 | $942K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $118K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $118K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $118K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $118K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 81 | $942K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.