| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $168K | $0 | $168K | 11.51% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 SW 38TH AVENUE, 8TH FLOOR CORAL GABLES, FL 33146 | TRUSTMARK INSURANCE COMPANY | $99K | $0 | $99K | 6.76% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $10K | $0 | $10K | 0.69% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 SW 38TH AVENUE, 9TH FLOOR CORAL GABLES, FL 33146 | TRUSTMARK INSURANCE COMPANY | $6K | $0 | $6K | 0.42% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFIT ADVISORS INC | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $154K | $0 | $154K | 11.83% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $55K | $55K | 4.23% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $0 | $34K | 2.63% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $32K | $32K | 2.47% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS INC. | 7416 MONIK MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $27K | $27K | 2.10% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS INC. | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 0.98% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFIT ADVISORS, IN | 3150 SW 38TH AVENUE SUITE 901 CORAL GABLES, FL 33146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76K | $0 | $76K | 11.27% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $42K | $42K | 6.25% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS, INC | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $35K | $35K | 5.21% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $34K | $34K | 5.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 3.73% |
| SELDEN BEATTIE, INC.3 Filed as: SELDEN BEATTIE | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33146 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $45K | $0 | $45K | 9.00% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $40K | $0 | $40K | 8.02% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $20K | $0 | $20K | 3.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASSEE, FL 32301 | BEAZLEY INSURANCE COMPANY INC | $20K | $0 | $20K | 7.99% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33487 | BEAZLEY INSURANCE COMPANY INC | $20K | $0 | $20K | 7.74% |
| SELDEN BEATTIE, INC.3 Filed as: SELDEN BEATTIE | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33146 | BEAZLEY INSURANCE COMPANY INC | $11K | $0 | $11K | 4.26% |
| SELDEN BEATTIE, INC.3 | UNKNOWN MIAMI, FL 33133 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | $3K | $46K | 19.90% |
| SELDEN BEATTIE, INC.3 Filed as: SELDEN BEATTIE | UNKNOWN MIAMI, FL 33133 | PREFERRED LEGAL PLAN | $5K | $0 | $5K | 19.87% |
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 | 2,918 | 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) | 2,918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 1,381 | $733K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 937 | $1.3M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 937 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 948 | $2.8M |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 948 | $1.5M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 425 | $672K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $231K |
| Other(4 contracts, 4 carriers) | TRUSTMARK INSURANCE COMPANY | 948 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,381 | — |
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.