| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | UNKNOWN ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $153K | $432 | $153K | 5.57% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $41K | $0 | $41K | 15.00% |
| MJ INSURANCE3 Filed as: RICHARD KIMBROUGH & VARIOUS AGENTS | 9505 CHAD COLLEY BOULEVARD SUITE 3804 FORT SMITH, AR 72916 | AFLAC | $252 | $0 | $252 | 3.06% |
| DEININGER BENEFITS ADVISORS INC3 | PO BOX 372696 SATELLITE BEACH, FL 32937 | AFLAC | $219 | $0 | $219 | 2.66% |
| D J FISHER & ASSOC INC3 Filed as: D J FISHER & ASSOCIATES INC | 4117 FAIRVIEW VISTA POINT SUITE 202 ORLANDO, FL 32804 | AFLAC | $72 | $0 | $72 | 0.88% |
| CYNTHIA A. HARRIS3 | 1035 SOUTH GLENCOE ROAD NEW SMYRNA BEACH, FL 32168 | AFLAC | $72 | $0 | $72 | 0.88% |
| DALE T. FAULDS JR3 | 7 ROCKINGHAM LANE PALM COAST, FL 32164 | AFLAC | $64 | $0 | $64 | 0.78% |
| NATALIE MALHAM3 | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | AFLAC | $43 | $0 | $43 | 0.52% |
| RAE ANN SIONS3 | 2505 RAINTREE LAKE CIRCLE MERRITT ISLAND, FL 32953 | AFLAC | $36 | $0 | $36 | 0.44% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 609 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 609 | $2.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 609 | $2.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 279 | $273K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 279 | $273K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 279 | $273K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 609 | $2.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 279 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.