| 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 | $41K | $0 | $41K | 2.64% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $8K | $19K | 13.86% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH MORENO-HARAMBOURE | 8581 SUMMERVILLE PLACE ORLANDO, FL 32819 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 6.57% |
| GIOMARIS IRIZARRY-SANTIAGO3 | 14238 FREDRICKSBURGH DRIVE APARTMENT 320 ORLANDO, FL 32837 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.66% |
| SIERRA ALVARADO3 | 700 EAGLE AVENUE LONGWOOD, FL 32707 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.41% |
| THE MEEHAN AGENCY AND OTHER AGENTS3 | 1924 DOWN HOLLOW LANE WINDERMERE, FL 34786 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $96 | $1K | 0.85% |
| WILLIAM RENNARD3 | 14141 46TH STREET, NORTH SUITE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $920 | $32 | $952 | 0.68% |
| JESSICA MAIA3 | 9842 QUAIL COVE COURT WINDERMERE, FL 34786 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $925 | $14 | $939 | 0.67% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | FLORIDA COMBINED LIFE | $7K | $0 | $7K | 10.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $3K | $0 | $3K | 13.05% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $259 | $0 | $259 | 1.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $1K | $495 | $2K | 13.53% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 89 | $1.6M |
| Dental | FLORIDA COMBINED LIFE | 108 | $69K |
| Vision | HUMANA INSURANCE COMPANY | 85 | $13K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 151 | $166K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 89 | $1.6M |
| Other | USABLE LIFE | 151 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.