| 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 | $41K | — | $41K | 14.86% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $7K | $20K | 11.81% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.00% |
| MARIA CARDENAL3 | 10301 SW 98TH AVE MIAMI, FL 33176 | AFLAC | $555 | — | $555 | 5.11% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $402 | — | $402 | 3.70% |
| JOURNEY INS GRP INC3 | 3561 NW 88TH DR APT 307 CORAL SPRINGS, FL 33065 | AFLAC | $226 | — | $226 | 2.08% |
| BRENDA GARRETT3 | 12475 KENTWOOD AVE FORT MEYERS, FL 33913 | AFLAC | $100 | — | $100 | 0.92% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEX MEDINA | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $94 | — | $94 | 0.86% |
| JOSHUA BUZZARD3 | 6848 HENDRY DR LAKE WORTH, FL 33463 | AFLAC | $70 | — | $70 | 0.64% |
| SHEILA HALBROOKS3 | 3686 NW 111TH AVE SUNRISE, FL 33351 | AFLAC | $52 | — | $52 | 0.48% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PL STE 1600 NORFOLK, VA 23510 | AFLAC | $29 | — | $29 | 0.27% |
| TIFFANY SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $29 | — | $29 | 0.27% |
| BONNIE J. BLOOM3 Filed as: BONNIE BLOOM | 1856 N NOB HILL RD #267 PLANTATION, FL 33322 | AFLAC | $28 | — | $28 | 0.26% |
| CORA IVELSIE JOURNEY3 | 9211 NW 18TH ST CORAL SPRINGS, FL 33071 | AFLAC | $23 | — | $23 | 0.21% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $14 | — | $14 | 0.13% |
| MARCO A ERAZO3 Filed as: MARCO ERAZO | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $13 | — | $13 | 0.12% |
| GLENN E SMITH3 Filed as: GLENN SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $10 | — | $10 | 0.09% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $9 | — | $9 | 0.08% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BLVD DTE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $6 | — | $6 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $6 | — | $6 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $5 | — | $5 | 0.05% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 1310 E OCEAN VIEW AVE NORFOLK, VA 23503 | AFLAC | $4 | — | $4 | 0.04% |
| JOHN SMITH3 | 1421 N MALLORY ST HAMPTON, VA 23663 | AFLAC | $1 | — | $1 | 0.01% |
| JUAN C FERLINI3 | 891 MAYBERRY ML 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% |
| MEGAN DANCEL3 | 25261 LARCH ST NW ISANTI, MN 55040 | AFLAC | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Named fiduciary; Participant communication; Claims processing; Float revenue; Contract Administrator; Other services; Non-monetary compensation; Direct payment from the plan Service code 12 | — | $83K |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $278K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $169K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $169K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $169K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $169K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $169K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.