| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $131K | $28K | $159K | 15.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89K | $0 | $89K | 33.39% |
| FBMC BENEFITS MANAGEMENT INC3 Filed as: FBMC BENEFITS MANAGEMENT, INC. | 780 WEST GRANADA BOULEVARD SUITE 200 ORMOND BEACH, FL 32174 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39K | $0 | $39K | 14.48% |
| NATALIA DURAN GUZMAN3 | 1945 SW 25TH TER MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | $0 | $23K | 8.70% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44 TER MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 2.25% |
| SARA RACHLIN3 | 9701 SW 96TH COURT MIAMI, FL 33176 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.05% |
| KATLIN KLEMME RAMOS3 | 710 NE 121ST STREET MIAMI, FL 33161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.05% |
| BT VENTURE LLC3 Filed as: BT VENTURE, LLC | 8100 SW 54 AVENUE MIAMI, FL 33143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.02% |
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 | 746 | 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) | 746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,762 | $1.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,762 | $1.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,762 | $1.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,762 | $1.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,762 | $1.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,762 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,762 | — |
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.