| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | THE GUARDIAN LIFE INSURANCE COMPANY | $42K | $12K | $54K | 6.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY | $20K | — | $20K | 2.32% |
| LEIGH MILLS3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | COMPBENEFITS | $6K | — | $6K | 9.14% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC-GA | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | COMPBENEFITS | $3 | — | $3 | 0.00% |
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 | 737 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 579 | $534K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 737 | $856K |
| Vision | COMPBENEFITS | 447 | $62K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 737 | $856K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 737 | $856K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 737 | $856K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 579 | $534K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF FLORIDA | 579 | $534K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 737 | $856K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.