| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $0 | $29K | 1.38% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $93K | $0 | $93K | 23.05% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFIT ADVISORS INC | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $0 | $35K | 8.73% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS INC. | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $20K | $20K | 5.01% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $17K | $17K | 4.23% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $17K | $17K | 4.12% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFIT ADVISORS INC | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33146 | RELIASTAR LIFE INSURANCE COMPANY | $27K | $0 | $27K | 65.71% |
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 | 961 | 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) | 961 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $2.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 961 | $403K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 961 | $403K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 961 | $403K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 961 | $403K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 961 | $403K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $2.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 961 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.