| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 10672 BLOOMINGDALE AVE UNIT 102 RIVERVIEW, FL 33578 | HEALTH OPTIONS | $26K | — | $26K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | HEALTH OPTIONS | $9K | — | $9K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $7K | $4K | $10K | 12.89% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $3K | — | $3K | 3.75% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYTYN SHERMAN PARTNERS | 4211 WEST BOY SCOUT BLVD. SUITE 900 TAMPA, FL 33607 | GUARDIAN | $2K | — | $2K | 2.80% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH OPTIONS | 83 | $708K |
| Dental | GUARDIAN | 114 | $81K |
| Vision | GUARDIAN | 114 | $81K |
| Life insurance | GUARDIAN | 114 | $81K |
| Prescription drug(2 contracts) | HEALTH OPTIONS | 83 | $708K |
| Other | GUARDIAN | 114 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.