| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 10800 BISCAYNE BLVD., SUITE 850 MIAMI, FL 33161 | AVMED HEALTH PLANS | $28K | — | $28K | 2.98% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | 301 YAMATO ROAD BOCA RATON, FL 33431 | AVMED HEALTH PLANS | $18K | — | $18K | 1.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $660 | $5K | 7.15% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $51 | $3K | 3.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $661 | $4K | 8.44% |
| WEEKES AND CALLAWAY, INC.3 | 3945 WEST ATLANTIC AVENUE DELRAY BEACH, FL 33445 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.45% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $829 | $166 | $995 | 8.16% |
| WEEKES AND CALLAWAY, INC.3 | 3945 WEST ATLANTIC AVENUE DELRAY BEACH, FL 33445 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $390 | — | $390 | 3.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $419 | — | $419 | 6.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $267 | — | $267 | 3.84% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED HEALTH PLANS | 163 | $938K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 59 | $73K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $60K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $47K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $47K |
| Prescription drug | AVMED HEALTH PLANS | 163 | $938K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.