| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $7K | $27K | 11.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.44% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBER ENTERPRISES, INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $5K | $221 | $5K | 9.15% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES, INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $1K | $58 | $1K | 2.27% |
| JUSTIN WAYNE WEBER3 | 12030 AGANA STREET ORLANDO, FL 32837 | AFLAC | $599 | $0 | $599 | 1.02% |
| VENUS S. BENSON AND OTHER AGENTS3 | 3351 GREENWICH VILLAGE BOULEVARD APARTMENT 102 ORLANDO, FL 32835 | AFLAC | $502 | $9 | $511 | 0.87% |
| A & M BONURA & ASSOCIATES INC3 Filed as: A & M BONURA & ASSOCIATES, INC. | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $439 | $24 | $463 | 0.79% |
| MS BENEFITS3 Filed as: MS BENEFITS, LLC | 100 CHALLENGER ROAD, SUITE 400 RIDGEFIELD PARK, NJ 07660 | AFLAC | $436 | $0 | $436 | 0.74% |
| ANDREW CONNORS3 Filed as: ANDREW D. COMMORS | 2251 ALEXANDER DRIVE TITUSVILLE, FL 32796 | AFLAC | $258 | $25 | $283 | 0.48% |
| THE JOSEPH AGENCY INC.4 Filed as: THE JOSEPH AGENCY, INC. | 314 WICKHAM COURT LONGWOOD, FL 32779 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $135 | $0 | $135 | 7.45% |
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 | 359 | 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) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 359 | $236K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 359 | $236K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 359 | $236K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 359 | $236K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 359 | $236K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 359 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.