| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4720 SALISBURY ROAD SUITE 125 JACKSONVILLE, FL 32256 | AVMED HEALTH PLANS | $38K | — | $38K | 5.37% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 322160935 | AVMED HEALTH PLANS | $30K | — | $30K | 4.21% |
| SEE ATTACHED3 Filed as: SEE ATTACHEMENT VARIOUS BROKERS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 11.29% |
| LEIGH MILLS3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 322160935 | MWG ADMINISTRATORS | $4K | — | $4K | 10.01% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | MWG ADMINISTRATORS | $2K | — | $2K | 5.00% |
| CHRISTY PERSONS3 | 19220 PERSONS ROAD MOSS POINT, MS 39562 | MWG ADMINISTRATORS | $1K | — | $1K | 3.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HUMANA | $3K | $822 | $4K | 12.62% |
| LEIGH MILLS3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | MWG ADMINISTRATORS | $3K | — | $3K | 10.01% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | MWG ADMINISTRATORS | $2K | — | $2K | 4.99% |
| CHRISTY PERSONS3 | 19220 PERSONS ROAD MOSS POINT, MS 39562 | MWG ADMINISTRATORS | $909 | — | $909 | 3.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY SUITE 500 ATLANTA, GA 30339 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $910 | — | $910 | 9.19% |
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 | 169 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AVMED HEALTH PLANS | 232 | $777K |
| Dental | HUMANA | 109 | $31K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 128 | $10K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 148 | $68K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 148 | $37K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 148 | $37K |
| Prescription drug | AVMED HEALTH PLANS | 232 | $712K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 148 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.