| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $377K | $0 | $377K | 14.72% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $129K | $129K | 5.02% |
| GCD INSURANCE CONSULTANTS INC3 | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $91K | $91K | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 800 CAPITAL CIRCLE SE, SUITE 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $129K | $0 | $129K | 13.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $54K | $0 | $54K | 5.60% |
| THE LOOMIS COMPANY5 | 850 NORTH PARK ROAD WYOMISSING, PA 19610 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $55K | $0 | $55K | 10.00% |
| SELDEN BEATTIE, INC.3 | 3150 SOUTHWEST 38TH AVENUE SUITE 901 CORAL GABLES, FL 33146 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $41K | $0 | $41K | 7.46% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $39K | $0 | $39K | 7.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33487 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $28K | $0 | $28K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 301 PINE STREET, SUITE 650 ORLANDO, FL 32801 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $25K | $0 | $25K | 4.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 800 CAPITAL CIRCLE SE, SUITE 2 TALLAHASSEE, FL 32301 | BEAZLEY INSURANCE COMPANY INC | $36K | $0 | $36K | 13.50% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33487 | BEAZLEY INSURANCE COMPANY INC | $13K | $0 | $13K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | BEAZLEY INSURANCE COMPANY INC | $4K | $0 | $4K | 1.41% |
| SELDEN BEATTIE, INC.3 Filed as: SELDEN BEATTIE | 3150 SOUTHWEST 38TH AVENUE SUITE 901 CORAL GABLES, FL 33146 | BEAZLEY INSURANCE COMPANY INC | $234 | $0 | $234 | 0.09% |
| SELDEN BEATTIE, INC.3 | 3150 SOUTHWEST 38TH AVENUE SUITE 901 CORAL GABLES, FL 33146 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $0 | $31K | 13.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $0 | $15K | 6.28% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PREFERRED LEGAL PLAN | $5K | $0 | $5K | 17.73% |
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 | 2,909 | 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) | 2,909 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,452 | $788K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,006 | $2.6M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,006 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,006 | $3.5M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,006 | $3.5M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,006 | $2.6M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $234K |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,006 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,452 | — |
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.
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.