| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | HEALTH OPTIONS, INC. | $20K | $0 | $20K | 2.00% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WEST SHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | HEALTH OPTIONS, INC. | $10K | $0 | $10K | 1.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | $0 | $3K | 2.01% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WEST SHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | $0 | $2K | 0.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $9K | $7K | $16K | 13.30% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE NW BUILDING 100, SUITE 10 ATLANTA, GA 30318 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 3.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $4K | $17K | 18.71% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.42% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 16.27% |
| SAMUEL R MORRIS JR3 Filed as: SAMUEL R. MORRIS, JR. | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $443 | $0 | $443 | 1.49% |
| USI INSURANCE SERVICES LLC3 | 7414 HODGSON MEMORIAL DRIVE SUITE 2 A SAVANNAH, GA 31406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $216 | $0 | $216 | 0.73% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 128 | $1.2M |
| Dental | HUMANA INSURANCE COMPANY | 148 | $120K |
| Vision | HUMANA INSURANCE COMPANY | 148 | $120K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $91K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $91K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $91K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 128 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.