| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $33K | $33K | 4.34% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $10K | $4K | $14K | 20.48% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $5K | $2K | $7K | 12.96% |
| MJ INSURANCE3 Filed as: JOSHUA BUZZARD AND VARIOUS AGENTS | 7458 TRESCOTT DRIVE LAKE WORTH, FL 33467 | ALFAC | $680 | $5 | $685 | 3.56% |
| KATTY W COHEN3 Filed as: KATTY W. COHEN | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | ALFAC | $651 | $12 | $663 | 3.45% |
| FRIDAY ROSE CRAWFORD3 | 4100 NW 7TH COURT DELRAY BEACH, FL 33445 | ALFAC | $187 | $0 | $187 | 0.97% |
| BARRY BAYUK3 Filed as: BARRY M. BAYUK | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | ALFAC | $138 | $0 | $138 | 0.72% |
| EMILY B WAYMAN3 Filed as: EMILY B. WAYMAN | 1199 SOUTH FEDERAL HIGHWAY SUITE 155 BOCA RATON, FL 33432 | ALFAC | $106 | $0 | $106 | 0.55% |
| SHARON BASSOFF INC3 Filed as: SHARON BASSOFF INC. | 11550 SW 9TH COURT PEMBROKE PINES, FL 33025 | ALFAC | $99 | $0 | $99 | 0.51% |
| BRENDA LYNN GARRETT3 | 205 RIVER FALLS DRIVE APEX, NC 27539 | ALFAC | $97 | $0 | $97 | 0.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | COMPBENEFITS COMPANY | $806 | $807 | $2K | 19.66% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $769K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 97 | $61K |
| Vision | HUMANA INSURANCE COMPANY | 97 | $53K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 171 | $68K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 171 | $68K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $769K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 171 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.