| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OWEN & ASSOCIATES3 | 315 E BAY ST STE 400 JACKSONVILLE, FL 32202 | HEALTH OPTIONS | $35K | — | $35K | 4.00% |
| OWEN & ASSOCIATES3 | 315 E BAY ST STE 400 JACKSONVILLE, FL 322022983 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 4.00% |
| DIGITAL INSURANCE LLC | 315 EAST BAY STREET STE 400 JACKSONVILLE, FL 32202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $7K | $37K | 13.53% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $15K | 5.38% |
| DAVIS ALLEN AGENCY INC3 Filed as: DAVIS-ROUSSEL TALLAHASSEE LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $893 | — | $893 | 0.33% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 82 | $625K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 308 | $270K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 308 | $270K |
| Short-term disability(2 contracts, 2 carriers) | HEALTH OPTIONS | 308 | $1.1M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 308 | $270K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 308 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.