| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PKWY SE ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | — | $97K | $97K | 5.20% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 2600 S DOUGLAS RD STE 1010 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 9.62% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.09% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PKWY STE 1100 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 14.77% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 2600 S DOUGLAS RD CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $162 | $3K | 17.07% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $217 | — | $217 | 1.09% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PKWY SE STE 1100 ATLANTA, GA 303395946 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 14.05% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 2600 S DOUGLAS RD CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.31% |
| GOLUB, JOSEF ABRAHAM3 | 268 SUNLIT COVE DR NE ST PETERSBURG, FL 33702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 1.46% |
| AMERICAN HEALTH ACCESS INC3 | 255 ALHAMBRA CIR STE 1200 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.98% |
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 | 94 | 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) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 90 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 94 | $100K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 67 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $145K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $125K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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."
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.