| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $409K | $0 | $409K | 14.59% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $141K | $141K | 5.03% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.19% |
| DIGITIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $186K | $0 | $186K | 26.35% |
| MJ INSURANCE3 Filed as: MANUEL LEON & VARIOUS AGENTS | 5000 SOUTHWEST 65TH AVENUE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74K | $0 | $74K | 10.45% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | $0 | $35K | 5.00% |
| AIMEE CECILIA CABRERA3 | 11866 SOUTHWEST 97TH TERRACE MIAMI, FL 33186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | $0 | $35K | 4.90% |
| NATALIA DURAN GUZMAN3 | 1945 SOUTHWEST 25TH TERRACE MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 2.39% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SOUTHWEST 44TH TERRACE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 2.10% |
| SVETLANA MAGILNER3 | 501 NORTHEAST 5TH TERRACE SUITE 710 FORT LAUDERDALE, FL 33301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 800 CAPITAL CIRCLE SE, SUITE 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $55K | $0 | $55K | 9.96% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 WEST GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $17K | $0 | $17K | 3.14% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 301 EAST PINE STREET, SUITE 650 ORLANDO, FL 32801 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $63K | $0 | $63K | 12.00% |
| THE LOOMIS COMPANY5 | 850 NORTH PARK ROAD WYOMISSING, PA 19610 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $53K | $0 | $53K | 10.00% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $37K | $0 | $37K | 7.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORP CIRCLE SUITE 3007 BOCA RATON, FL 33487 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $26K | $0 | $26K | 5.00% |
| DIGITIAL INSURANCE LLC3 | UNKNOWN MIAMI, FL 33133 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | $191 | $42K | 15.69% |
| ENROLLEASE3 Filed as: ONE DIGITAL | UNKNOWN MIAMI, FL 33133 | PREFERRED LEGAL PLAN | $3K | $0 | $3K | 15.44% |
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 | 3,002 | 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) | 3,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,376 | $798K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,008 | $2.8M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,008 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,008 | $3.4M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,008 | $3.4M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,008 | $2.8M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 133 | $269K |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,959 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,959 | — |
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.