| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $479K | $0 | $479K | 14.77% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $163K | $163K | 5.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $195K | $0 | $195K | 13.15% |
| FMBC BENEFITS MANAGEMENT INC3 | 780 WEST GRANADA BOULEVARD SUITE 200 ORMOND BEACH, FL 32174 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94K | $0 | $94K | 6.34% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44 TER MAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57K | $0 | $57K | 3.83% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47K | $0 | $47K | 3.14% |
| AIMEE CECILIA CABRERA | 11866 SW 97 TERR MAMI, FL 33186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | $0 | $42K | 2.80% |
| NATALIA DURAN GUZMAN3 | 1945 SW 25TH TER MAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 1.46% |
| BT VENTURES, LLC3 Filed as: BT VENTURES LLC AND OTHER AGENTS | 8100 SW 54 AVENUE MIAMI, FL 33143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 1.46% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 7301 SW 57TH COURT, SUITE 500 SOUTH MIAMI, FL 33143 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $61K | $61K | 6.54% |
| WORKSITE COMMUNICATIONS3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | TRUSTMARK INSURANCE COMPANY | $12K | $0 | $12K | 4.19% |
| FMBC BENEFITS3 | 3101 SESSIONS BOULEVARD TALLAHASSEE, FL 32303 | TRUSTMARK INSURANCE COMPANY | $8K | $0 | $8K | 2.75% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 2000 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 0.92% |
| ENROLLEASE3 Filed as: ONE DIGITAL | UNKNOWN MIAMI, FL 33133 | PREFERRED LEGAL PLAN | $5K | $0 | $5K | 19.85% |
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 | 1,752 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $936K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,195 | $3.2M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,195 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,195 | $3.5M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,195 | $3.2M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,195 | $3.2M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,440 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,440 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.