| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 4200 WEST CYPRESS STREET, SUITE 800 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $63K | $0 | $63K | 5.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN FL TAMPA | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 1.81% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $8K | $42K | 14.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 5.55% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 24500 CHAGRIN BOULEVARD, SUITE 365 BEACHWOOD, OH 44122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 3.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $666 | — | $666 | 6.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN FLORIDA, INC. | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $389 | — | $389 | 3.69% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 41 | $1.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 210 | $284K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 210 | $284K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 210 | $294K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 210 | $284K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 210 | $294K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 41 | $1.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 210 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.