| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 322160935 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 5.00% |
| LEIGH MILLS3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 7.45% |
| MWL3 | PO BOX 14067 JACKSON, MS 392364067 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| CHRISTY PERSONS3 | 19220 PERSONS ROAD MOSS POINT, MS 39562 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| ADAM BRUCKMAN3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $819 | — | $819 | 1.71% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 322160935 | METROPOLITAN LIFE INSURANCE COMPANY | $688 | $735 | $1K | 7.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $155 | $47 | $202 | 1.09% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | UNITEDHEALTHCARE INSURANCE COMPANY | $692 | — | $692 | 10.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY STE 300 ATLANTA, GA 30339 | ADVANTICA REINSURANCE COMPANY | $448 | — | $448 | 7.65% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | ADVANTICA REINSURANCE COMPANY | $138 | — | $138 | 2.35% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 322160935 | SAFEGUARD HEALTH PLANS, INC. | $208 | $223 | $431 | 7.85% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | SAFEGUARD HEALTH PLANS, INC. | $42 | $13 | $55 | 1.00% |
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 | 121 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 90 | $499K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $24K |
| Vision | ADVANTICA REINSURANCE COMPANY | 101 | $6K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 121 | $6K |
| Short-term disability | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | 87 | $48K |
| Long-term disability | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | 87 | $48K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 90 | $499K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 121 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.