| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RODNEY L RICH CO INC3 Filed as: RODNEY RICH AND COMPANY | 300 N TARRAGONA ST PENSACOLA, FL 325014859 | BLUE CROSS BLUE SHIELD OF FLORIDA | $37K | — | $37K | 3.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 0.69% |
| RODNEY RICH & COMPANY3 | 300 N TARRAGONA ST PENSACOLA, FL 325014859 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 3.28% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 0.72% |
| RODNEY L RICH CO INC3 Filed as: RODNEY L. RICH, INC. | 300 N TARRAGONA ST PENSACOLA, FL 32501 | THE STANDARD | $10K | — | $10K | 11.37% |
| RODNEY L RICH CO INC3 Filed as: RODNEY L RICH, INC. | 300 N TARRAGONA ST PENSACOLA, FL 32501 | THE STANDARD | — | $6K | $6K | 6.43% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE STANDARD | $2K | — | $2K | 2.39% |
| RODNEY L RICH CO INC3 Filed as: RODNEY L. RICH, INC. | 300 N TARRAGONA ST PENSACOLA, FL 32501 | THE STANDARD | $6K | — | $6K | 7.41% |
| RODNEY L RICH CO INC3 Filed as: RODNEY L RICH, INC. | 300 N TARRAGONA ST PENSACOLA, FL 32501 | THE STANDARD | — | $3K | $3K | 3.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE STANDARD | $1K | — | $1K | 1.69% |
| RODNEY L RICH CO INC3 Filed as: RODNEY L. RICH, INC. | 300 N. TARRAGONA ST PENSACOLA, FL 32501 | THE STANDARD | $960 | — | $960 | 7.40% |
| RODNEY L RICH CO INC3 Filed as: RODNEY L RICH, INC. | 300 N TARRAGONA ST PENSACOLA, FL 32501 | THE STANDARD | — | $916 | $916 | 7.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE STANDARD | $225 | — | $225 | 1.73% |
| RODNEY L RICH CO INC3 Filed as: RODNEY L. RICH, INC. | — | GUARDIAN | — | — | $0 | — |
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 | 151 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 97 | $1.1M |
| Dental(2 contracts, 2 carriers) | THE STANDARD | 150 | $79K |
| Vision(2 contracts, 2 carriers) | THE STANDARD | 139 | $13K |
| Life insurance(2 contracts, 2 carriers) | THE STANDARD | 180 | $86K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 51 | $408K |
| Other | GUARDIAN | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.