| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $166K | $0 | $166K | 6.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | $6K | $44K | 24.24% |
| DALT T. FAULDS JR AND OTHER AGENTS3 | 7 ROCKINGHAM LANE PALM COAST, FL 32164 | AFLAC | $351 | $0 | $351 | 3.36% |
| DEININGER BENEFITS ADVISORS INC3 Filed as: DEININGER BENEFITS ADVISORS INC. | PO BOX 372696 SATELLITE BEACH, FL 32937 | AFLAC | $278 | $0 | $278 | 2.66% |
| CYNTHIA A. HARRIS3 | 1035 SOUTH GLENCOE ROAD NEW SMYRNA BEACH, FL 32168 | AFLAC | $125 | $0 | $125 | 1.20% |
| KARL D SCHNEIDER AGENCY INC3 Filed as: KARL D SCHNEIDER AGENCY INC. | PO BOX 372303 SATELLITE BEACH, FL 32937 | AFLAC | $118 | $0 | $118 | 1.13% |
| RAE ANN SIONS3 | 2505 RAINTREE LAKE CIRCLE MERRITT ISLAND, FL 32953 | AFLAC | $74 | $0 | $74 | 0.71% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD R. KIMBROUGH | 6380 NORTH PARK MEADOW WAY APARTMENT 203 BOISE, ID 83713 | AFLAC | $57 | $0 | $57 | 0.55% |
| D J FISHER & ASSOC INC3 Filed as: D.J. FISHER AND ASSOICATES INC. | 4117 FAIRVIEW VISTA POINT APARTMENT 202 ORLAND, FL 32804 | AFLAC | $54 | $0 | $54 | 0.52% |
| CARRIE DIANE ROBERTS3 | PO BOX 560772 ROCKLEDGE, FL 32956 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 13.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $892 | $0 | $892 | 9.71% |
| D. VICKER AND ASSOCIATES INC.3 | 5948 LA COSTA DRIVE ORLANDO, FL 32807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $412 | $0 | $412 | 4.48% |
| JERRY B. TOWNSEND3 | 5212 OUTLOOK DROVE MELBOURNE, FL 32940 | CONTINENTAL AMERICAN INSURANCE COMPANY | $242 | $0 | $242 | 2.63% |
| DEREK BRIAN VICKERS3 | 5948 LA COSTA DRIVE ORLANDO, FL 32807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.07% |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 649 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 649 | $2.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 649 | $2.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 276 | $182K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 276 | $182K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 276 | $182K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 649 | $2.6M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 276 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.