| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HUMANA MEDICAL PLAN, INC. | $34K | $927 | $35K | 4.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 20.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $5K | $3K | $8K | 15.69% |
| KATHY W. COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $1K | — | $1K | 5.20% |
| SHARON BASSOFF INC AND OTHER AGENTS3 | 11550 SW 9TH COURT PEMBROKE PINES, FL 33025 | AFLAC | $440 | — | $440 | 1.99% |
| FRIDAY ROSE CRAWFORD3 | 4100 NW 7TH COURT DELRAY BEACH, FL 33445 | AFLAC | $315 | — | $315 | 1.43% |
| BRENDA LYNN GARRETT3 | 13489 VILLA DI PRESERVE LANE ESTERO, FL 33928 | AFLAC | $219 | — | $219 | 0.99% |
| JAVIER ORTIZ3 | 165 NE 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $136 | — | $136 | 0.62% |
| BARRY BAYUK3 Filed as: BARRY M. BAYUK | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $128 | — | $128 | 0.58% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DRIVE LAKE WORTH, FL 33467 | AFLAC | $125 | — | $125 | 0.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | COMPBENEFITS COMPANY | $893 | $1K | $2K | 23.85% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 98 | $859K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 92 | $62K |
| Vision | HUMANA INSURANCE COMPANY | 92 | $53K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $74K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $74K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 98 | $859K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.