| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 8.81% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.26% |
| DAWN JOHNSON3 Filed as: DAWN M JOHNSON | PO BOX 982 CLARKSBURG, MD 20871 | AFLAC | $357 | — | $357 | 1.42% |
| SHEM J BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $291 | — | $291 | 1.16% |
| MARLIN SMITH3 | 70 S LAKE AVE 7TH FLOOR PASADENA, CA 91101 | AFLAC | $263 | — | $263 | 1.05% |
| DORA BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $247 | — | $247 | 0.98% |
| WENDY RENARD3 | 24113 FAWN CT NE STACY, MN 55079 | AFLAC | $41 | $21 | $62 | 0.25% |
| DAVID J MCCLELLAN3 Filed as: DAVID L COOPER II | 608 S SCHUMAKER DR SALISBURY, MD 21804 | AFLAC | $31 | — | $31 | 0.12% |
| SHANON M MCGAVER3 | PO BOX 154 ELK RIVER, MN 55330 | AFLAC | $19 | $7 | $26 | 0.10% |
| CHERI LYNN SALOKAR3 | 379 2ND AVE NW FOREST LAKE, MN 55025 | AFLAC | $16 | $8 | $24 | 0.10% |
| BRANDON K SMITH3 | 235 WAPELLO ST ALTADENA, CA 91001 | AFLAC | $24 | — | $24 | 0.10% |
| TAYLOR MOOR3 | 6011 VIA SONOMA RANCHO PALOS VERDES, CA 90275 | AFLAC | $10 | $12 | $22 | 0.09% |
| MANUEL A MADRID3 | 6282 DOUGLAS CT N CHAMPLIN, MN 55316 | AFLAC | $14 | $7 | $21 | 0.08% |
| HALTEN MANAGEMENT SVCS (US) LLC3 | 15607 W LILLI WAY VAN NUYS, CA 91406 | AFLAC | $8 | — | $8 | 0.03% |
| IRINA LESNYKH3 | 5112 TOPANGA CANYON BLVD APT 427 WOODLAND HILLS, CA 91364 | AFLAC | $8 | — | $8 | 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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 226 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 252 | $116K |
| Short-term disability | AFLAC | 18 | $25K |
| Long-term disability | STANDARD INSURANCE COMPANY | 252 | $116K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 252 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.