| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $0 | $27K | 9.74% |
| GRAVITY BENEFITS INC3 | 26701 DUBLIN WOODS CIR BONITA SPRINGS, FL 34135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $5K | $14K | 4.95% |
| BENETEK CORPORATION3 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.50% |
| JUSTIN RYAN3 | 1076 E BRANDON BLVD STE 112 BRANDON, FL 33511 | AFLAC | $1K | $347 | $2K | 4.44% |
| PATRICIA POWELL3 Filed as: PATRICIA POWELL AND OTHER AGENTS | PO BOX 442 ESTERO, FL 33929 | AFLAC | $1K | $78 | $1K | 3.36% |
| ALAN LECLAIRE3 | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $550 | $51 | $601 | 1.65% |
| DIGITAL INSURANCE LLC3 | 26701 DUBLIN WOODS CIR STE 2 BONITA SPRINGS, FL 34135 | AFLAC | $373 | $0 | $373 | 1.03% |
| BRIONY PFLUEGER3 | 14021 BENTLY CIR FORT MYERS, FL 33912 | AFLAC | $273 | $0 | $273 | 0.75% |
| RAIMEY CORPORATION3 | 12450 BRANTLEY COMMONS CT STE 101 FORT MYERS, FM 33907 | AFLAC | $252 | $0 | $252 | 0.69% |
| GRAVITY BENEFITS INC3 | 26701 DUBLIN WOODS CIR STE 2 BONITA SPRINGS, FL 34135 | AFLAC | $231 | $0 | $231 | 0.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY #1950 ATLANTA, FL 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $888 | — | $888 | 4.01% |
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS | 26701 DUBLIN WOODS CIRCLE 2ND FLOOR BONITA SPRINGS, FL 34135 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $847 | — | $847 | 3.83% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PKWY #1950 ATLANTA, FL 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $428 | $0 | $428 | 1.93% |
| UNKNOWN3 | UNKNOWN FORT MYERS, FL 33908 | TELEDOC HEALTH, INC. | $2K | — | $2K | 15.00% |
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 | 450 | 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) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 421 | $277K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 381 | $22K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 421 | $277K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 421 | $314K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 421 | $277K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 421 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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."
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.