| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $60K | $0 | $60K | 5.00% |
| NORWOOD BENEFIT SERVICES INC3 Filed as: NORWOOD BENEFIT SERVICES INC. | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $480 | $9K | 8.38% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBORE | 8581 SUMMERFILLE PLACE ORLAND, FL 32819 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 5.73% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $445 | $2K | 1.99% |
| YESENIA A SANCHEZ3 Filed as: YESENIA A. SANCHEZ | 1021 DELRIDGE AVENUE ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $61 | $1K | 1.09% |
| DONNA MARIE MCCANN3 | 3301 BLUE JAY COURT SAINT CLOUD, FL 34772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $685 | $0 | $685 | 0.64% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS INC. | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $523 | $0 | $523 | 0.49% |
| N. BENNETT AND ASSOC AND OTHER AGTS3 | SJO 84626 MIAMI, FL 33126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $504 | $11 | $515 | 0.48% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | FLORIDA COMBINED LIFE | $6K | $0 | $6K | 9.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $3K | $0 | $3K | 12.94% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $202 | $0 | $202 | 0.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 9.88% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 97 | $1.2M |
| Dental | FLORIDA COMBINED LIFE | 98 | $61K |
| Vision | HUMANA INSURANCE COMPANY | 75 | $11K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 119 | $130K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 97 | $1.2M |
| Other | USABLE LIFE | 119 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.