| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $2K | $26K | 5.90% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $17K | 3.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $4K | $17K | 3.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.00% |
| MICHELLE G POLLOCK3 Filed as: MICHELLE G. POLLOCK | 5444 OAKMONT DRIVE PACE, FL 32571 | AFLAC | $6K | $245 | $6K | 7.88% |
| JESSICA MARIE MUSACCHIA3 | 8118 TREETOP LANE PENSACOLA, FL 32514 | AFLAC | $3K | $245 | $4K | 4.37% |
| LEIGH ANNE WHITE3 | 2533 REDFORD DRIVE CANTONMENT, FL 32533 | AFLAC | $2K | $114 | $3K | 3.13% |
| BRIAN V ANDREWS3 Filed as: BRIAN V. ANDREWS | 5728 TAMARACK DRIVE PACE, FL 32571 | AFLAC | $2K | $114 | $2K | 2.60% |
| GCG FINANCIAL LLC3 Filed as: BARNES INS & FIN SVCS AN ALERA GRP | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | AFLAC | $655 | $0 | $655 | 0.81% |
| JOHN C POLLOCK3 Filed as: JOHN C. POLLOCK AND OTHER AGENTS | 5444 OAKMONT DRIVE MILTON, FL 32571 | AFLAC | $599 | $0 | $599 | 0.74% |
| WILLIAM TYLER BRUNNER3 | 5644 CHURCHILL DOWNS COURT PACE, FL 32571 | AFLAC | $364 | $0 | $364 | 0.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 12.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | HEALTHIEST YOU | $5K | $0 | $5K | 11.35% |
| ENROLLEASE3 Filed as: ONEDIGITAL HEALTH AND BENEFITS | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HEALTHIEST YOU | $2K | $0 | $2K | 3.65% |
| MICHELLE G POLLOCK3 Filed as: MICHELLE G. POLLOCK | 5444 OAKMONT DRIVE PACE, FL 32571 | AFLAC | $436 | $17 | $453 | 4.96% |
| BRIAN V ANDREWS3 Filed as: BRIAN V. ANDREWS | 5728 TAMARACK DRIVE PACE, FL 32571 | AFLAC | $175 | $8 | $183 | 2.00% |
| GCG FINANCIAL LLC3 Filed as: BARNES INS & FIN SVCS AN ALERA GRP | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | AFLAC | $163 | $0 | $163 | 1.78% |
| JOHN C POLLOCK3 Filed as: JOHN C. POLLOCK | 5444 OAKMONT DRIVE MILTON, FL 32571 | AFLAC | $135 | $0 | $135 | 1.48% |
| LEIGH ANNE WHITE3 | 2533 REDFORD DRIVE CANTONMENT, FL 32533 | AFLAC | $119 | $8 | $127 | 1.39% |
| JESSICA MARIE MUSACCHIA3 | 8118 TREETOP LANE PENSACOLA, FL 32514 | AFLAC | $76 | $17 | $93 | 1.02% |
| WILLIAM TYLER BRUNNER3 Filed as: WILLIAM T. BRUNNER & OTHER AGENTS | 5644 CHURCHILL DOWNS COURT PACE, FL 32571 | AFLAC | $35 | $0 | $35 | 0.38% |
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 | 424 | 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) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,088 | $439K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,088 | $439K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,088 | $439K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,088 | $439K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,088 | $439K |
| Other(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,088 | $625K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,088 | — |
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.