| 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 | HUMANA MEDICAL PLAN, INC. | $26K | $500 | $26K | 3.76% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | HUMANA MEDICAL PLAN, INC. | $8K | $0 | $8K | 1.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 9.39% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 2.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $5K | $3K | $7K | 11.59% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 2.40% |
| PETER HAGER3 Filed as: PETER C. HAGER | 4660 NOTTINGHAM ROAD JACKSONVILLE, FL 32210 | AFLAC | $4K | $298 | $4K | 8.48% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DRIVE FLEMING ISLAND, FL 32003 | AFLAC | $2K | $71 | $2K | 4.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AFLAC | $2K | $0 | $2K | 3.37% |
| ROGERS BENEFIT GROUP INC3 Filed as: LOIS RENEE ROGERS | 6396 WOLVERINE LANE KEYSTONE HEIGHTS, FL 32656 | AFLAC | $1K | $0 | $1K | 2.74% |
| WHITNEY L MILLWOOD3 Filed as: WHITNEY L. MILLWOOD | 153 BLANDING BOULEVARD, SUITE 3 ORANGE PARK, FL 32073 | AFLAC | $716 | $0 | $716 | 1.51% |
| MJ INSURANCE3 Filed as: MARK A. LISNER AND VARIOUS AGENTS | 10375 CENTURION PARKWAY NORTH SUITE 100 JACKSONVILLE, FL 32256 | AFLAC | $376 | $2 | $378 | 0.80% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL AND ASSOCIATES, LLC | 3100 BLUFF LANE HILLSBOROUGH, NC 27278 | AFLAC | $262 | $71 | $333 | 0.70% |
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) | HUMANA MEDICAL PLAN, INC. | 86 | $694K |
| Dental | HUMANA INSURANCE COMPANY | 90 | $61K |
| Vision | HUMANA INSURANCE COMPANY | 90 | $61K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $111K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $111K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $111K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 86 | $694K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.