| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 303395946 | BLUE CROSS BLUE SHIELD OF FLORIDA | $90K | — | $90K | 5.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | HEALTH OPTIONS | $12K | — | $12K | 4.93% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 2600 S DOUGLAS RD STE 1010 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 8.97% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.00% |
| AMERICAN HEALTH ACCESS INC3 | 2600 S DOUGLAS RD STE 1010 CORAL GABLES, FL 33134 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 9.17% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $7K | 5.64% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 2600 S DOUGLAS RD STE 1010 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $88 | $3K | 5.65% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $316 | $316 | 0.67% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 2600 S DOUGLAS RD STE 1010 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $184 | $2K | 7.39% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $422 | $422 | 1.26% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 2600 S DOUGLAS RD CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $152 | $3K | 15.75% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $203 | — | $203 | 1.00% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 2600 S DOUGLAS RD CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.01% |
| AMERICAN HEALTH ACCESS INC3 Filed as: AMERICAN HEALTH ACCESS, INC. | 2600 S DOUGLAS RD STE 1010 CORAL GABLES, FL 33134 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.95% |
| 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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 89 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 325 | $116K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 77 | $11K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $162K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $141K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 89 | $1.9M |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.