| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $4K | $8K | 27.58% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $389 | — | $389 | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $178 | — | $178 | 2.29% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $691 | — | $691 | 12.15% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $27 | — | $27 | 4.65% |
| BRENDA GARRETT3 | 12475 KENTWOOD AVE FORT MEYERS, FL 33913 | AFLAC | $7 | — | $7 | 1.20% |
| SHEILA HALBROOKS3 | 3686 NW 111TH AVE SUNRISE, FL 33351 | AFLAC | $5 | — | $5 | 0.86% |
| JOSHUA BUZZARD3 | 6848 HENDRY DR LAKE WORTH, FL 33463 | AFLAC | $4 | — | $4 | 0.69% |
| BONNIE J. BLOOM3 Filed as: BONNIE BLOOM | 1856 N NOB HILL RD #267 PLANTATION, FL 33322 | AFLAC | $3 | — | $3 | 0.52% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PL STE 1600 NORFOLK, VA 23510 | AFLAC | $2 | — | $2 | 0.34% |
| TIFFANY SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $2 | — | $2 | 0.34% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $1 | — | $1 | 0.17% |
| MARCO A ERAZO3 Filed as: MARCO ERAZO | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $1 | — | $1 | 0.17% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $1 | — | $1 | 0.17% |
| GLENN E SMITH3 Filed as: GLENN SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $1 | — | $1 | 0.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Non-monetary compensation; Contract Administrator; Other services; Claims processing; Named fiduciary; Float revenue; Participant communication; Direct payment from the plan Service code 12 | — | $69K |
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 | 348 | 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) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $28K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $8K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $8K |
| Life insurance | USABLE LIFE | 348 | $6K |
| Short-term disability | USABLE LIFE | 348 | $6K |
| Long-term disability | USABLE LIFE | 348 | $6K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 348 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.