| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | UNKNOWN MELBOURNE, FL 32940 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $165K | $845 | $166K | 6.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | $0 | $46K | 15.00% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD KIMBROUGH AND OTHER AGENTS | 15 NORTH PARK MEADOW WAY APARTMENT 203 BOISE, ID 83713 | AFLAC | $258 | $0 | $258 | 3.08% |
| DEININGER BENEFITS ADVISORS INC3 | PO BOX 372696 SATELLITE BEACH, FL 32937 | AFLAC | $219 | $0 | $219 | 2.61% |
| D J FISHER & ASSOC INC3 Filed as: D. J. FISHER AND ASSOCIATES INC | 4117 FAIRVIEW VISTA POINT APARTMENT 202 ORLANDO, FL 32804 | AFLAC | $72 | $0 | $72 | 0.86% |
| CYNTHIA A. HARRIS3 | 1035 SOUTH GLENCOE ROAD NEW SMYRNA BEACH, FL 32168 | AFLAC | $72 | $0 | $72 | 0.86% |
| DALE T. FAULDS JR3 Filed as: DALE T. FAULDS JR. | 7 ROCKINGHAM LANE PALM COAST, FL 32164 | AFLAC | $64 | $0 | $64 | 0.76% |
| NATALIE MALHAM3 | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | AFLAC | $43 | $0 | $43 | 0.51% |
| RAE ANN SIONS3 | 2505 RAINTREE LAKE CIRCLE MERRITT ISLAND, FL 32952 | AFLAC | $41 | $0 | $41 | 0.49% |
| CARRIE DIANE ROBERTS3 | PO BOX 560772 ROCKLEDGE, FL 32956 | CONTINENTAL AMERICAN INSURANCE COMPANY | $576 | $0 | $576 | 7.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $343 | $0 | $343 | 4.31% |
| D VICKERS & ASSOCIATES INC3 Filed as: D. VICKERS AND ASSOCIATES INC | 5948 LA COSTA DRIVE ORLANDO, FL 23807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | $0 | $91 | 1.14% |
| DEREK BRIAN VICKERS3 | 5948 LA COSTA DRIVE ORLANDO, FL 23807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | $0 | $56 | 0.70% |
| JANINE S WEBB3 Filed as: JANINE SUSANNE WEBB | 117 BERKELEY STREET SATELLITE BEACH, FL 32937 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | $0 | $37 | 0.47% |
| JERRY B. TOWNSEND3 | 5212 OUTLOOK DRIVE MELBOURNE, FL 32940 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.39% |
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 | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 631 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 631 | $2.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 631 | $2.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 279 | $305K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 279 | $305K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 279 | $305K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 631 | $2.6M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 279 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 631 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.