| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | — | $100K | $100K | 5.26% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $49K | $14K | $63K | 20.40% |
| BEVERLY BEATTIE3 | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | CAPITAL HEALTH PLAN | $4K | — | $4K | 3.34% |
| DARLING J LIE NIELSEN3 | 201 ALHAMBRA CIR STE 703 CORAL GABLES, FL 33134 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $501 | $1K | $2K | 9.62% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GRP LLC | STE 2000 500 E BROWARD BLVD FT LAUDERDALE, FL 33394 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $100 | $100 | 0.51% |
| CHARLES E MC INTYRE3 | STE 300 1200 N FEDERAL HWY BOCA RATON, FL 33432 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $51 | $6 | $57 | 0.29% |
| INC CUNDY3 | P O BOX 24080 FORT LAUDERDALE, FL 33307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104 | — | $104 | 10.20% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 282 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $310K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $310K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $310K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $310K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $310K |
| Prescription drug | CAPITAL HEALTH PLAN | 17 | $131K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.