| 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 | $85K | $0 | $85K | 8.35% |
| MJ INSURANCE3 Filed as: RICHARD KIMBROUGH & VARIOUS AGENTS | 6380 NORTH PARK MEADOW WAY SUITE 203 BOISE, ID 83713 | AFLAC | $166 | $0 | $166 | 3.10% |
| DEINNGER BENEFITS ADVISORS INC3 | PO BOX 372696 SATELLITE BEACH, FL 32937 | AFLAC | $127 | $0 | $127 | 2.37% |
| D J FISHER & ASSOC INC3 Filed as: D J FISHER ADN ASSOCIATES INC | 4117 FAIRVIEW VISTA POINT SUITE 202 ORLANDO, FL 32804 | AFLAC | $42 | $0 | $42 | 0.78% |
| CYNTHIA A. HARRIS3 | 1035 SOUTH GLENCOE ROAD NEW SMYRNA BEACH, FL 32168 | AFLAC | $42 | $0 | $42 | 0.78% |
| RAE SIONS3 Filed as: RAE ABB SUIBS | 2505 RAINTREE LAKE CIRCLE MERRITT ISLAND, FL 32953 | AFLAC | $39 | $0 | $39 | 0.73% |
| DALE T. FAULDS JR3 | 7 ROCKINGHAM LANE PALM COAST, FL 32164 | AFLAC | $38 | $0 | $38 | 0.71% |
| NATALIE MALHAM3 | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | AFLAC | $25 | $0 | $25 | 0.47% |
| CARRIE DIANE ROBERTS3 | PO BOX 560772 ROCKLEDGE, FL 32956 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | $0 | $151 | 3.96% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | $0 | $106 | 2.78% |
| JERRY B. TOWNSEND3 | 5212 OUTLOOK DRIVE MELBOURNE, FL 32940 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.74% |
| D VICKERS & ASSOCIATES INC3 Filed as: D. VICKERS AND ASSOCIATES INC | 5948 LA COSTA DRIVE ORLANDO, FL 32807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.68% |
| DEREK BRIAN VICKERS3 | 5948 LA COSTA DRIVE ORLANDO, FL 32807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.53% |
| DEREK BRIAN VICKERS3 | 5948 LA COSTA DRIVE ORLANDO, FL 32807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.08% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 628 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 628 | $1.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 628 | $1.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $0 |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $0 |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 628 | $1.0M |
| Other(3 contracts, 3 carriers) | AFLAC | 278 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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.