| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD ATLANTA, GA 33308 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $86K | $86K | 3.61% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $53K | $53K | 2.20% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $8K | $8K | 0.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $3K | $18K | 7.80% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 5.92% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMAN BENEFITS ADMINISTRATOR | PO BOX 9039 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 3.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $582 | $7K | 3.15% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE | $5K | — | $5K | 9.99% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR VALHALLA, NY 10595 | AMERICAN PUBLIC LIFE INSURANCE | $2K | — | $2K | 4.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | AMERICAN PUBLIC LIFE INSURANCE | $2K | — | $2K | 3.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | SAFEGUARD HEALTH PLANS, INC A TEXAS CORPORATION | $1K | $183 | $2K | 10.47% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC A TEXAS CORPORATION | $656 | $281 | $937 | 6.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | SAFEGUARD HEALTH PLANS, INC A TEXAS CORPORATION | $596 | $40 | $636 | 4.28% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | SAFEGUARD HEALTH PLANS, INC A TEXAS CORPORATION | — | $394 | $394 | 2.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62689 VIRGINIA BEACH, VA 23466 | SAFEGUARD HEALTH PLANS, INC FLORIDA CORPORATION | $479 | $84 | $563 | 7.67% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC FLORIDA CORPORATION | $229 | $100 | $329 | 4.48% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | SAFEGUARD HEALTH PLANS, INC FLORIDA CORPORATION | $210 | $14 | $224 | 3.05% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | SAFEGUARD HEALTH PLANS, INC FLORIDA CORPORATION | — | $138 | $138 | 1.88% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSUARANCE COMPANY | $2K | — | $2K | 55.58% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR VALHALLA, NY 10595 | AMERICAN PUBLIC LIFE INSUARANCE COMPANY | $973 | — | $973 | 24.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | AMERICAN PUBLIC LIFE INSUARANCE COMPANY | $763 | — | $763 | 19.52% |
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 | 410 | 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) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 247 | $2.4M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 544 | $247K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 544 | $224K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 544 | $224K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 544 | $224K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 544 | $224K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 544 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.