| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE ATLANTA, GA 30339 | HEALTH OPTIONS | $22K | — | $22K | 4.32% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $12K | — | $12K | 12.15% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $5K | — | $5K | 5.29% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 3.97% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FLORIDA COMBINED LIFE | $3K | — | $3K | 6.22% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS-SEE ATTACHED | — | AFLAC | $12K | $61 | $12K | 25.72% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $1K | — | $1K | 11.11% |
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 | 97 | 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) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 75 | $596K |
| Dental | FLORIDA COMBINED LIFE | 85 | $49K |
| Vision | EYEMED VISION CARE | 122 | $9K |
| Life insurance | USABLE LIFE | 139 | $98K |
| Short-term disability | USABLE LIFE | 139 | $98K |
| Long-term disability | USABLE LIFE | 139 | $98K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 139 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.