| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $45K | $45K | 3.25% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $7K | $17K | 12.02% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.00% |
| LON R KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $201 | — | $201 | 2.72% |
| MARIA CARDENAL3 | 10301 SW 98TH AVE MIAMI, FL 33176 | AFLAC | $134 | $55 | $189 | 2.55% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $158 | — | $158 | 2.14% |
| CECILIA N KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $111 | — | $111 | 1.50% |
| ELAINE KOLSTAD DUBE3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $99 | — | $99 | 1.34% |
| CORA IVELSIE JOURNEY3 | 9211 NW 18TH ST CORAL SPRINGS, FL 33071 | AFLAC | $49 | $25 | $74 | 1.00% |
| EILEEN SANCHEZ MEDINA3 | 5790 SW 51ST ST MIAMI, FL 33155 | AFLAC | $31 | $17 | $48 | 0.65% |
| ETHAN GREER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $43 | — | $43 | 0.58% |
| JOSHUA BUZZARD3 | 6848 HENDRY DR LAKE WORTH, FL 33463 | AFLAC | $31 | — | $31 | 0.42% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE FORT MEYERS, FL 33913 | AFLAC | $25 | — | $25 | 0.34% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PL STE 1600 NORFOLK, VA 23510 | AFLAC | $20 | — | $20 | 0.27% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $20 | — | $20 | 0.27% |
| BRENDA LYNN GARRETT3 | 1411 CENTERPOINTE CIR APT 103 SHILOH, IL 62269 | AFLAC | $12 | — | $12 | 0.16% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $7 | — | $7 | 0.09% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $6 | — | $6 | 0.08% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 1310 E OCEAN VIEW AVE NORFOLK, VA 23503 | AFLAC | $3 | — | $3 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $3 | — | $3 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $3 | — | $3 | 0.04% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $3 | — | $3 | 0.04% |
| JOHN SMITH3 | 1421 N MALLORY ST HAMPTON, VA 23663 | AFLAC | $2 | — | $2 | 0.03% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $145K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $145K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $145K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $145K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $145K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.