| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | HEALTH OPTIONS, INC. | $18K | — | $18K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | BLUE CROSS BLUE SHIELD OF FLORIDA | $17K | — | $17K | 5.00% |
| LUMITY, INC.3 Filed as: LUMITY INC. | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | HEALTH OPTIONS, INC. | $4K | — | $4K | 5.00% |
| LUMITY, INC.3 Filed as: LUMITY INC. | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $4K | $5K | 7.93% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.16% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $711 | $2K | 3.42% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $582 | $2K | 2.79% |
| LUMITY, INC.3 Filed as: LUMITY INC. | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | USABLE LIFE | $3K | — | $3K | 7.33% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $3K | — | $3K | 6.10% |
| LUMITY, INC.3 Filed as: LUMITY INC. | 71 E 3RD AVE SAN MATEO, CA 944014010 | USABLE LIFE | $2K | — | $2K | 3.61% |
| KATTY W COHEN3 | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $565 | — | $565 | 6.04% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE FORT MEYERS, FL 33913 | AFLAC | $142 | — | $142 | 1.52% |
| JOSHUA BUZZARD3 | 6848 HENDRY DR LAKE WORTH, FL 33463 | AFLAC | $96 | — | $96 | 1.03% |
| SHEILA HALBROOKS3 | 3686 NW 111TH AVE SUNRISE, FL 33351 | AFLAC | $52 | — | $52 | 0.56% |
| BONNIE J. BLOOM3 Filed as: BONNIE J BLOOM | 1856 N NOB HILL RD #267 PLANTATION, FL 33322 | AFLAC | $28 | — | $28 | 0.30% |
| SUWAY ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $17 | — | $17 | 0.18% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $13 | — | $13 | 0.14% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $9 | — | $9 | 0.10% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $8 | — | $8 | 0.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $8 | — | $8 | 0.09% |
| JUAN C FERLINI3 | 2984 SUNSET SMT NEW BRAUNFELS, TX 78130 | AFLAC | $1 | — | $1 | 0.01% |
| DE VITA B MCKENZIE3 | 1139 IROLO ST LOS ANGELES, CA 90006 | AFLAC | $1 | — | $1 | 0.01% |
| WORKSITE SOLUTIONS INC3 | 1314 E LAS OLAS BLVD, STE 930 FORT LAUDERDALE, FL 33301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 6.94% |
| HEALTH IS WEALTH GROUP LLC3 | 1314 E LAS OLAS BLVD, STE 930 FORT LAUDERDALE, FL 33301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 3.08% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 70 | $840K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $63K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $63K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $108K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $108K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $108K |
| Prescription drug(4 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 70 | $840K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.