| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | $78K | — | $78K | 7.79% |
| GRAVITY BENEFITS INC3 | 26701 DUBLIN WOODS CIRCLE BONITA SPRINGS, FL 34135 | SYMETRA LIFE INSURANCE COMPANY | $32K | — | $32K | 3.24% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $76K | — | $76K | 32.22% |
| DIGITAL INSURANCE LLC3 | 26701 DUBLIN WOODS CIRCLE 2ND FLOOR BONITA SPRINGS, FL 34135 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $9K | $43K | 18.45% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 11.96% |
| JANET GOSSETT PA3 | 7119 LAKERDGE VIEW CT #302 FT MYERS, FL 33907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.59% |
| VICTORRIO PAUL ZANIOL INC3 | 7301 6TH AVE N ST PETERSBURG, FL 33710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.88% |
| BRENDA LYNN GARRETT3 Filed as: BRENDA L GARRETT | 205 RIVER FALLS DR APEX, NC 27539 | CONTINENTAL AMERICAN INSURANCE COMPANY | $632 | — | $632 | 0.57% |
| CAROLYN S LEVEILLE3 | 8107 PIEDMONT DR NAPLES, FL 34104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | — | $248 | 0.22% |
| ALAN LECLAIRE3 Filed as: ALAN R LECLAIRE | 10600 CHEVROLET WAY SUITE 202 ESTERO, FL 33928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $178 | — | $178 | 0.16% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH B DUCKETT | 60 PERIMETER CENTER PLACE APT 648 ATLANTA, GA 30346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.12% |
| KELLY A IRVINE3 | 4480 GOLDEN LAKE DR SARASOTA, FL 34233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.12% |
| CHERISE M WADE3 | 1931 HIGHWAY 90 SEALY, TX 77474 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.03% |
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 | 2,179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,360 | $235K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,360 | $235K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,776 | $1.1M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,776 | $997K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,776 | $997K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,776 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,776 | — |
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.