| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | UNKNOWN ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $66K | — | $66K | 6.98% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $92K | — | $92K | 15.63% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 400 GALLERIA PARKWAY SE, SUITE 300 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46K | — | $46K | 16.46% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SERVICES | 135 WEST CENTRAL BOULEVARD SUITE 600 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 2.66% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE HOLDINGS, INC. | PO BOX 1313 ORLANDO, FL 32802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $225 | — | $225 | 0.08% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $3K | — | $3K | 2.19% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 315 EAST ROBINSON STREET, SUITE 325 ORLANDO, FL 32801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.34% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $338 | $338 | 1.69% |
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 | 2,115 | 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) | 2,115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 779 | $280K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,980 | $953K |
| Vision | VISION SERVICE PLAN | 1,397 | $153K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,195 | $589K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,195 | $589K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,195 | $589K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,195 | $609K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,980 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.