| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAIMEY CORPORATION3 Filed as: RAIMEY CORPORATION/KERRI SISSON | 12450 BRANTLEY COMMONS CT. FORT MYERS, FL 339075663 | FLORIDA BLUE | $4K | — | $4K | 0.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | FLORIDA BLUE | $1K | — | $1K | 0.31% |
| LEADING EDGE BENEFIT ADVISORS LLC3 Filed as: LEADING EDGE BENEFIT ADVISORS | 12450 BRANTLEY COMMONS COURT FORT MYERS, FL 33907 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $616 | $8K | 7.28% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $561 | $3K | 2.37% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS | 280 E. 96TH STREET STE 250 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DR TAMPA, FL 336255826 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $344 | $2K | 3.18% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $668 | — | $668 | 0.94% |
| LEADING EDGE BENEFIT ADVISORS LLC3 | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 339075663 | PRINCIPAL LIFE INSURANCE COMPANY | $205 | — | $205 | 0.29% |
| LEADING EDGE BENEFIT ADVISORS LLC3 Filed as: LEADING EDGE BENEFIT ADVISORS, | 12450 BRANTLEY COMMONS COURT FORT MYERS, FL 33907 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $87 | $2K | 11.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $583 | $78 | $661 | 4.26% |
| UNITED BENEFIT ADVISORS LLC0 Filed as: UNITED BENEFIT ADVISORS INC - | 280 E. 96TH STREET STE 250 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| LEADING EDGE BENEFIT ADVISORS LLC3 | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 339075663 | HUMANA INSURANCE COMPANY | $947 | — | $947 | 8.23% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC-GA | DIGITAL INSURANCE INC-GA STE 1950 ATLANTA, GA 303395946 | HUMANA INSURANCE COMPANY | $292 | — | $292 | 2.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $94K |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 235 | $71K |
| Vision | HUMANA INSURANCE COMPANY | 81 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $126K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $110K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $110K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 130 | $485K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.