| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELDEN BEATTIE BENEFIT ADVISORS Filed as: SELDEN BEATTIE BENEFIT ADVISORS INC | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $87K | $0 | $87K | 7.57% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $76K | $76K | 6.63% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS INC. | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $70K | $70K | 6.13% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | $0 | $50K | 4.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $28K | $28K | 2.45% |
| SELDEN BEATTIE BENEFIT ADVISORS | 3150 SW 38TH AVENUE, 9TH FLOOR CORAL GABLES, FL 33146 | TRUSTMARK INSURANCE COMPANY | $6K | $0 | $6K | 7.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASSE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 2.47% |
| SELDEN BEATTIE BENEFIT ADVISORS Filed as: SELDEN BEATTIE BENEFIT ADVISORS INC | 3150 SW 38TH AVENUE, 9TH FLOOR CORAL GABLES, FL 33146 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 2.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENFIT SERVICES | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASSE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $799 | $0 | $799 | 0.96% |
| BEVERLY E. BEATTIE3 | 3150 SW 38TH AVENUE, 9TH FLOOR CORAL GABLES, FL 33146 | TRUSTMARK INSURANCE COMPANY | $741 | $0 | $741 | 0.89% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| SELDEN BEATTIE BENEFIT ADVISORS | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33146 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 9.45% |
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 | 572 | 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) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $1.1M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $1.2M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $1.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $1.1M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 590 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.