| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HUMANA MEDICAL PLAN, INC. | $33K | $2K | $35K | 5.31% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $834 | $12K | 13.81% |
| 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 | $4K | $4K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $5K | $2K | $7K | 15.12% |
| KATTY W COHEN3 Filed as: KATTY W. COHEN | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $2K | $49 | $2K | 6.11% |
| MJ INSURANCE3 Filed as: BARRY M. BAYUK AND VARIOUS AGENTS | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $336 | $0 | $336 | 1.26% |
| JAVIER L ORTIZ3 Filed as: JAVIER L. ORTIZ | 9620 NE 2ND AVENUE, SUITE 203 MIAMI SHORES, FL 33138 | AFLAC | $262 | $11 | $273 | 1.02% |
| FRIDAY ROSE CRAWFORD3 | 23119 BELCANTO ROAD BOCA RATON, FL 33433 | AFLAC | $203 | $0 | $203 | 0.76% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $153 | $11 | $164 | 0.61% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVENUE FORT MYERS, FL 33913 | AFLAC | $128 | $0 | $128 | 0.48% |
| JOSHUA BUZZARD3 | 6848 HENDRY DRIVE LAKE WORTH, FL 33463 | AFLAC | $82 | $0 | $82 | 0.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | COMPBENEFITS COMPANY | $639 | $1K | $2K | 27.92% |
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) | HUMANA MEDICAL PLAN, INC. | 89 | $667K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 117 | $52K |
| Vision | HUMANA INSURANCE COMPANY | 117 | $45K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $84K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $84K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 89 | $667K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.