| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | — | $14K | 3.95% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | HEALTH OPTIONS | $6K | — | $6K | 3.95% |
| STEVEN MICHAEL HORWITZ3 | 3401 W. CARRINGTON ST. TAMPA, FL 33611 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 9.34% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 8.38% |
| RBH FINANCIAL INC3 Filed as: RBH FINANCIAL | 6035 FOREST CREEK DRIVE BROOKSVILLE, FL 34601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $340 | — | $340 | 0.75% |
| BENECOM CORPORATION3 | 20620 NOLEN ROAD LAND O LAKES, FL 34638 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.18% |
| AMBER DAWN HOADLEY3 Filed as: AMBER D. HOADLEY INC. | 6014 FRENCH CREEK CT. ELLENTON, FL 34222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $175 | — | $175 | 0.81% |
| BENECOM CORPORATION3 | 20620 NOLEN ROAD LAND O LAKES, FL 34638 | TRANSAMERICA LIFE INSURANCE COMPANY | $192 | — | $192 | 3.99% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 27 | $348K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 56 | $45K |
| Vision | EYEMED VISION CARE | 90 | $7K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 87 | $60K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 87 | $56K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 87 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.