| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 925 PARTNERS INSURANCE3 Filed as: 925 PARTNERS | 701 RIVERSIDE PARK PL STE 102 JACKSONVILLE, FL 32204 | HEALTH OPTIONS, INC. | $13K | — | $13K | 6.00% |
| 925 PARTNERS INSURANCE3 Filed as: 925 PARTNERS, LLC | 701 RIVERSIDE PARK PL STE 102 JACKSONVILLE, FL 32204 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 6.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $359 | $2K | 7.50% |
| 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 | 3.52% |
| 925 PARTNERS INSURANCE3 | 701 RIVERSIDE PARK PL STE 102 JACKSONVILLE, FL 32204 | STARMOUNT LIFE INSURANCE COMPANY | $913 | — | $913 | 3.12% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC | 5110 N. 40TH ST STE 234 PHOENIX, AZ 850182151 | STARMOUNT LIFE INSURANCE COMPANY | $442 | — | $442 | 1.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $175 | $1K | 6.29% |
| 925 PARTNERS INSURANCE3 | 701 RIVERSIDE PARK PL STE 102 JACKSONVILLE, FL 32204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.85% |
| 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 | $448 | $202 | $650 | 3.13% |
| 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 | 2.46% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $609 | $81 | $690 | 10.30% |
| 925 PARTNERS INSURANCE3 | 701 RIVERSIDE PARK PL STE 102 JACKSONVILLE, FL 32204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $396 | — | $396 | 5.91% |
| 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 | 3.22% |
| 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 | $132 | — | $132 | 1.97% |
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. | 31 | $374K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 51 | $29K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 51 | $29K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $27K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $21K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $21K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.