| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 7416 MONIKA MANOR DR TAMPA, FL 33625 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 4.00% |
| GIONIS & ASSOCIATES INC3 | 7416 MONIKA MANOR DR TAMPA, FL 33625 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $7K | $16K | 16.54% |
| GCD INSURANCE CONSULTANTS INC3 | 7416 MONIKA MANOR DR TAMPA, FL 33625 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.52% |
| GCD INSURANCE CONSULTANTS INC3 | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $909 | $474 | $1K | 3.77% |
| SEE ATTACHED3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.44% |
| GCD INSURANCE CONSULTANTS INC3 | 7416 MONIKA MANOR DR TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $488 | $305 | $793 | 4.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $649 | — | $649 | 7.43% |
| GCD INSURANCE CONSULTANTS INC3 | 7416 MONIKA MANOR DR TAMPA, FL 33625 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $225 | $130 | $355 | 4.06% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 EAST 5TH AVE TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $240 | — | $240 | 8.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 2.37% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 169 | $1.1M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 62 | $56K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $95K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $95K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $95K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.