| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $105K | $21K | $126K | 5.86% |
| VERA I CRUICE4 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | — | $27K | 1.56% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 1.21% |
| MARK A LINSNER4 | 1712 AUSTIN LN ST AUGUSTINE, FL 32092 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 0.72% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCESOLUTIONS,INC | 10375 N CENTURION PKWY SUITE 100 JACKSONVILLE, FL 32256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 0.44% |
| WANDA D CURINGTON4 Filed as: WANDA CURINGTON | 5867 SW 86TH PLACE OCALA, FL 34476 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.08% |
| WHITNEY L MILLWOOD4 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $690 | — | $690 | 0.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79K | $5K | $84K | 16.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $49K | $3K | $53K | 16.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $11K | $29K | 12.67% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $2K | $25K | 11.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $580 | $9K | 16.00% |
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 | 1,245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 616 | $231K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 616 | $231K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,267 | $755K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 759 | $561K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 693 | $456K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,138 | $2.2M |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,267 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,267 | — |
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."
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.