| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | HEALTH OPTIONS | $26K | — | $26K | 3.14% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $5K | $16K | 17.78% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $5K | $1K | $6K | 15.55% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $3K | $65 | $3K | 9.76% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVENUE, SUITE 203 MIAMI SHORES, FL 33138 | AFLAC | $407 | $12 | $419 | 1.45% |
| JOSHUA BUZZARD3 | 6848 HENDRY DRIVE LAKE WORTH, FL 33463 | AFLAC | $309 | $0 | $309 | 1.07% |
| MICHAEL K PORTER3 | 4000 HOLLYWOOD BOULEVARD SUITE 555S HOLLYWOOD, FL 33021 | AFLAC | $218 | $12 | $230 | 0.79% |
| FRIDAY ROSE CRAWFORD3 | 23119 BELCANTO ROAD BOCA RATON, FL 33433 | AFLAC | $203 | $0 | $203 | 0.70% |
| G SCOTT COOKE3 | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $141 | $0 | $141 | 0.49% |
| BRENDA LYNN GARRETT3 | 1350 FRONT PLACE, UNIT 5102 NORTH PORT, FL 34287 | AFLAC | $139 | $0 | $139 | 0.48% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | COMPBENEFITS COMPANY | $763 | $724 | $1K | 22.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HUMANA MEDICAL PLAN, INC. | $3K | $401 | $3K | 556.47% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 165 | $813K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 85 | $47K |
| Vision | HUMANA INSURANCE COMPANY | 85 | $41K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $91K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $91K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 165 | $595 |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.