| 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 | HEALTH OPTIONS, INC. | $14K | — | $14K | 5.63% |
| 925 PARTNERS INSURANCE3 Filed as: 925 PARTNERS | 701 RIVERSIDE PARK PL STE 102 JACKSONVILLE, FL 32204 | HEALTH OPTIONS, INC. | $909 | — | $909 | 0.37% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 5.76% |
| 925 PARTNERS INSURANCE3 Filed as: 925 PARTNERS, LLC | 701 RIVERSIDE PARK PL STE 102 JACKSONVILLE, FL 32204 | BLUE CROSS BLUE SHIELD OF FLORIDA | $308 | — | $308 | 0.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $758 | $3K | 12.14% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 3.67% |
| 925 PARTNERS INSURANCE3 | 701 RIVERSIDE PARK PL STE 102 JACKSONVILLE, FL 32204 | STARMOUNT LIFE INSURANCE COMPANY | $229 | — | $229 | 0.81% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC | 5110 N. 40TH ST STE 234 PHOENIX, AZ 850182151 | STARMOUNT LIFE INSURANCE COMPANY | $111 | — | $111 | 0.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $711 | $3K | 15.57% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $511 | — | $511 | 2.48% |
| 925 PARTNERS INSURANCE3 | 701 RIVERSIDE PARK PL STE 102 JACKSONVILLE, FL 32204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $145 | — | $145 | 0.70% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC | 5110 N. 40TH ST STE 234 PHOENIX, AZ 850182151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 0.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $811 | $149 | $960 | 15.85% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $216 | — | $216 | 3.57% |
| 925 PARTNERS INSURANCE3 | 701 RIVERSIDE PARK PL STE 102 JACKSONVILLE, FL 32204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97 | — | $97 | 1.60% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC | 5110 N. 40TH ST STE 234 PHOENIX, AZ 850182151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32 | — | $32 | 0.53% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 29 | $375K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 52 | $28K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 52 | $28K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $21K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.