| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $99K | $0 | $99K | 4.79% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFIT ADVISORS INC | 3150 SOUTHWEST 38TH AVENUE SUITE 901 CORAL GABLES, FL 33146 | AETNA LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $0 | $33K | 11.24% |
| GCD INSURANCE CONSULTANTS INC3 | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.59% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.37% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFIT ADVISORS INC | 3150 SOUTHWEST 38TH AVENUE SUITE 901 CORAL GABLES, FL 33146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.04% |
| BEVERLY BEATTIE3 | 3150 SOUTHWEST 38TH AVENUE CORAL GABLES, FL 33146 | CAPITAL HEALTH PLAN | $3K | $0 | $3K | 2.92% |
| DARLING J LIE NIELSEN3 Filed as: DARLING J. LIE NIELSEN | 201 ALHAMBRA CIRCLE, SUITE 703 CORAL GABLES, FL 33134 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $434 | $1K | $2K | 3.99% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP LLC | 500 EAST BROWARD BOULEVARD SUITE 2000 FORT LAUDERDALE, FL 33394 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $0 | $87 | $87 | 0.20% |
| CHARLES E MC INTYRE3 Filed as: CHARLES E. MCINTYRE | 1200 NORTH FEDERAL HIGHWAY SUITE 300 BOCA RATON, FL 33432 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $44 | $5 | $49 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 800 CAPITAL CIRCLE SE, SUITE 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 18.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 12.50% |
| DAVID BRUCKMAN3 Filed as: DAVID A. ESSARY | 15150 TAYLOR ROAD ALPHARETTA, GA 30004 | TRUSTMARK INSURANCE COMPANY | $941 | $0 | $941 | 5.77% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFIT ADVISORS INC | 3150 SOUTHWEST 38TH AVENUE, SUITE 9 CORAL GABLES, GA 33146 | TRUSTMARK INSURANCE COMPANY | $564 | $0 | $564 | 3.46% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113 | $0 | $113 | 10.15% |
| THOMAS C CUNDY REVOCABLE TRUST3 Filed as: THOMAS C. CUNDY REVOCABLE TRUST | 600 BRICKELL AVENUE, 23RD FLOOR MIAMI, FL 33131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 2.09% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.84% |
| CORY JOSEPH FANECA3 | 3308 50TH AVENUE EAST BRADENTON, FL 34203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.42% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 280 | $2.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $290K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $290K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $306K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $290K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $290K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 280 | $2.2M |
| Other(5 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.