| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE FINANCIAL GROUP LLC3 Filed as: THE HERITAGE FINANCIAL GROUP LLC | 6505 BLUE LAGOON DRIVE SUITE 110 MIAMI, FL 33126 | CIGNA | $27K | $8K | $35K | 16.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | CIGNA | $26K | — | $26K | 11.87% |
| HERITAGE FINANCIAL GROUP LLC3 Filed as: THE HERITAGE FINANCIAL GROUP | 6505 BLUE LAGOON DRIVE #110 MAIMI, FL 33126 | GUARDIAN | $9K | — | $9K | 8.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $9K | $301 | $9K | 8.28% |
| THE SOUTHERN REGION LLC3 | 6151 LAKE OSPREY DR 3RD FLOOR SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 7.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 5.53% |
| HERITAGE FINANCIAL AND OTHER AGENTS3 Filed as: THE HERITAGE FINANCIAL GROUP L | 6505 BLUE LAGOON DR MIAMI, FL 33126 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 4.44% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC-PATSEL | 6151 LAKE OSPREY DR 3RD FLOOR, SUITE 110 SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $29 | — | $29 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CARRIER | Named fiduciary; Participant communication; Non-monetary compensation; Float revenue; Claims processing; Direct payment from the plan; Contract Administrator; Other services Service code 12 | — | $13K |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 151 | $221K |
| Dental | GUARDIAN | 138 | $109K |
| Vision | GUARDIAN | 138 | $109K |
| Life insurance | GUARDIAN | 138 | $109K |
| Short-term disability | GUARDIAN | 138 | $109K |
| Long-term disability | GUARDIAN | 138 | $109K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 138 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.