| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $267K | $3K | $270K | 9.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | $0 | $50K | 15.11% |
| CARRIE D. ROBERTS3 Filed as: CARRIE D ROBERTS | 1451 BOURKE LANE MELBOURNE, FL 32940 | AFLAC | $5K | $0 | $5K | 1.56% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AFLAC | $3K | $0 | $3K | 0.90% |
| D VICKERS & ASSOCIATES INC3 Filed as: D. VICKERS AND ASSOCIATES INC | 3606 MILLENIA BOULEVARD, SUITE 2301 ORLANDO, FL 32955 | AFLAC | $1K | $0 | $1K | 0.37% |
| JERRY B. TOWNSEND3 Filed as: JERRY B TOWNSEND | 6145 MEGHAN DRIVE MELBOURNE, FL 32940 | AFLAC | $803 | $0 | $803 | 0.27% |
| DEININGER BENEFITS ADVISORS INC3 | PO BOX 372696 SATELLITE BEACH, FL 32937 | AFLAC | $325 | $0 | $325 | 3.14% |
| SHERI KENNARD GAUL3 Filed as: SHERI KENNARD GAUL AND OTHER AGENTS | 426 MYRTLEWOOD ROAD MELBOURNE, FL 32940 | AFLAC | $255 | $0 | $255 | 2.46% |
| KARL D SCHNEIDER AGENCY INC3 | PO BOX 372303 SATELLITE BEACH, FL 32937 | AFLAC | $191 | $0 | $191 | 1.84% |
| CYNTHIA A. HARRIS3 Filed as: CYNTHIA A HARRIS | PO BOX 1132 NEW SMYRNA BEACH, FL 32170 | AFLAC | $91 | $0 | $91 | 0.88% |
| RAE ANN SIONS3 | 2505 RAINTREE LAKE CIRCLE MERRITT ISLAND, FL 32953 | AFLAC | $78 | $0 | $78 | 0.75% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SOUTHEAST PALM BAY, FL 32909 | AFLAC | $71 | $0 | $71 | 0.68% |
| CYNTHIA A. HARRIS3 Filed as: CYNTHIA A HARRIS | 1035 SOUTH GLENCOE ROAD NEW SMYRNA BEACH, FL 32168 | AFLAC | $65 | $0 | $65 | 0.63% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 797 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 797 | $2.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 797 | $2.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $330K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $330K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $330K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 797 | $2.9M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $636K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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.