| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | — | $26K | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | HEALTH OPTIONS | $9K | — | $9K | 4.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $3K | $507 | $3K | 9.63% |
| BRIGHT LINE DEALER ADVISORS, LLC3 | 15301 DALLAS PARKWAY SUITE 500 ADDISON, TX 75001 | STANDARD INSURANCE COMPANY | $930 | — | $930 | 2.56% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $870 | — | $870 | 2.39% |
| BLUEWATER INS OF PENSACOLA LLC3 | 6171 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.17% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.78% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.03% |
| O NEIL KEVIN3 | 1117 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $814 | — | $814 | 2.47% |
| SUGGS PATRICIAANNE3 | 5321 YANCY DRIVE MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $673 | — | $673 | 2.05% |
| SAPP MATTHEW3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $514 | — | $514 | 1.56% |
| O NEIL KEVIN3 | 5890 W CAMBRIDGE WAY MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | — | $115 | 0.35% |
| SAPP CECILIA DAWN3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.31% |
| KIMBALL CHARLES FII3 | 13388 LILIAN HWY PENSACOLA, FL 32506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.26% |
| STRAIGHT FORWARD INS SOLUTIONS3 | 4490 NORTH W STREET PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 17.38% |
| BRIGHTLINE DEALER ADVISORS, LLC3 Filed as: BRIGHTLINE DEALER ADVISORS LLC, | 15301 DALLAS PARKWAY SUITE 500 ADDISON, TX 75001 | STANDARD INSURANCE COMPANY | $346 | — | $346 | 1.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 1950, 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $1K | $292 | $1K | 17.40% |
| BRIGHTLINE DEALER ADVISORS, LLC3 Filed as: BRIGHTLINE DEALER ADVISORS , LLC | 15301 DALLAS PARKWAY SUITE 500 ADDISON, TX 75001 | STANDARD INSURANCE COMPANY | $97 | — | $97 | 1.20% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $474 | $78 | $552 | 9.73% |
| BRIGHT LINE DEALER ADVISORS, LLC3 | 15301 DALLAS PARKWAY SUITE 500 ADDISON, TX 75001 | STANDARD INSURANCE COMPANY | $144 | — | $144 | 2.54% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $140 | — | $140 | 2.47% |
| CHERYL E GREEN3 | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | — | $317 | 5.76% |
| CHARLES A ANDREWS3 Filed as: CHARLES A ANDREWA | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.24% |
| DON FENNELL3 | 13659 QUEENS HARBOR BLVD N JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.20% |
| MICHAEL A DUARTE3 | 515 DULL ST DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.18% |
| DEMOS GINAKES3 | 1020 W INTL SPWY BLVD STE 102 DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.11% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LN HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| STEVE HOLLEMAN3 | 400 E CHATHAM ST CARY, NC 27511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 4.77% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 3.47% |
| BLUEWATER INS OF PENSACOLA LLC3 | 6171 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 1.08% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 48 | $863K |
| Dental | STANDARD INSURANCE COMPANY | 70 | $36K |
| Vision | STANDARD INSURANCE COMPANY | 61 | $6K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 104 | $67K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 94 | $41K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 48 | $863K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 94 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.