| 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. | $38K | $3K | $40K | 5.34% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $11K | $2K | $12K | 16.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $5K | $2K | $7K | 13.48% |
| KATHY W. COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $1K | $25 | $1K | 6.69% |
| SHARON BASSOFF INC AND OTHER AGENTS3 | 11550 SW 9TH COURT PEMBROKE PINES, FL 33437 | AFLAC | $427 | $0 | $427 | 2.06% |
| FRIDAY ROSE CRAWFORD3 | 4100 NW 7TH COURT DELRAY BEACH, FL 33445 | AFLAC | $248 | $0 | $248 | 1.20% |
| BRENDA LYNN GARRETT3 Filed as: BRENDA LEE GARRETT | 12475 KENTWOOD AVENUE FORT MYERS, FL 33913 | AFLAC | $172 | $0 | $172 | 0.83% |
| JAVIER ORTIZ3 | 165 NE 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $160 | $5 | $165 | 0.80% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $107 | $5 | $112 | 0.54% |
| JOSHUA BUZZARD3 | 6848 HENDRY DRIVE LAKE WORTH, FL 33463 | AFLAC | $92 | $0 | $92 | 0.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | COMPBENEFITS COMPANY | $639 | $726 | $1K | 20.98% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 95 | $751K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 86 | $61K |
| Vision | HUMANA INSURANCE COMPANY | 86 | $54K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 164 | $73K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 164 | $73K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 95 | $751K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 164 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.