| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | $0 | $45K | 3.75% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 1.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $4K | $18K | 14.82% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 3.84% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $975 | $325 | $1K | 1.10% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 13.67% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 12.51% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.66% |
| UNKNOWN3 | UNKNOWN CLEARWATER, FL 33760 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $118 | $118 | 0.25% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $3K | $947 | $4K | 15.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $746 | $149 | $895 | 3.63% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.73% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $593 | $0 | $593 | 3.06% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $244 | $0 | $244 | 1.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $418 | $2K | 14.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | $428 | $143 | $571 | 4.85% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY B. DRAKE | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | $0 | $345 | 3.40% |
| WORKSITE BENEFITS SOLUTION LLC3 Filed as: WORKSITE AMERICA, LLC | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 0.88% |
| WALTER H MODARELLI3 Filed as: WALTER H. MODARELLI | 11502 CARROLLWOOD DRIVE TAMPA, FL 33618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.41% |
| TULLY AND COMPANY INC3 Filed as: TULLY & COMPANY, INC. AND AGENTS | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.41% |
| SUSANNE PAPA3 | 4750 STONEVIEW CIRCLE OLD SMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.19% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN & HOYT, LLC | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.18% |
| STEPHANIE SHEPPA3 | 3687 IMPERIAL RIDGE PARKWAY PALM HARBOR, FL 34684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.13% |
| KELLEY J RHEAULT4 Filed as: KELLEY J. RHEAULT | 155 CONCHA DRIVE SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $449 | $0 | $449 | 23.51% |
| DIGITAL INSURANCE LLC4 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $116 | $0 | $116 | 6.07% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 167 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $46K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 107 | $12K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $129K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $119K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $119K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 167 | $1.2M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.