| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPTIVE INSURANCE SERVICES3 | DBA ALPHA STAFF MGA 800 CORPORATE DRIVE, SUITE 600 FORT LAUDERDALE, FL 333343621 | AETNA LIFE INSURANCE CO. | $15K | $4K | $18K | 3.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $15K | $4K | $18K | 3.44% |
| CAPTIVE INSURANCE SERVICES3 | DBA ALPHA STAFF MGA 800 CORPORATE DRIVE, SUITE 600 FORT LAUDERDALE, FL 333343621 | AETNA HEALTH, INC. | $4K | — | $4K | 2.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AETNA HEALTH, INC. | $4K | — | $4K | 2.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $2K | $510 | $3K | 6.05% |
| ALPHASTAFF MGA3 | 800 CORPORATE DRIVE, SUITE 600 FORT LAUDERDALE, FL 33334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $2K | — | $2K | 4.95% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $458 | — | $458 | 5.00% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC. | 800 CORPORATE DRIVE, SUITE 600 FORT LAUDERDALE, FL 333343621 | VISION SERVICE PLAN | $315 | — | $315 | 3.44% |
| KYLE KELLY3 | 800 CORPORATE DRIVE, SUITE 600 FORT LAUDERDALE, FL 333343621 | VISION SERVICE PLAN | $143 | — | $143 | 1.56% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $668 | $366 | $1K | 11.61% |
| CAPTIVE INSURANCE SERVICES3 | 800 CORPORATE DRIVE, SUITE 600 FORT LAUDERDALE, FL 333343621 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $668 | — | $668 | 7.50% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $667 | $479 | $1K | 17.19% |
| CAPTIVE INSURANCE SERVICES3 | 800 CORPORATE DRIVE, SUITE 600 FORT LAUDERDALE, FL 333343621 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $667 | — | $667 | 10.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $557 | $217 | $774 | 13.89% |
| CAPTIVE INSURANCE SERVICES3 | 800 CORPORATE DRIVE, SUITE 600 FORT LAUDERDALE, FL 333343621 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $557 | — | $557 | 9.99% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 96 | $668K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 92 | $46K |
| Vision | VISION SERVICE PLAN | 83 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 20 | $7K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 96 | $668K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.