| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 3.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $6K | $18K | 11.05% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.63% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $13K | 11.45% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $12K | 11.40% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1 | $2K | 14.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 INSURANCE SERVICES | Contract Administrator; Insurance services Service code 13 | — | $354K |
| COMPASS CONSULTING GROUP EIN 59-3301472 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
| DIGITAL INSURANCE INC EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
| HEALTH OPTIONS INC EIN 59-2403696 INSURANCE SERVICES | Insurance services Service code 23 | — | $0 |
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 | 519 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 368 | $244K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 368 | $244K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $110K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 335 | $102K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $110K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.