| 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 | $155K | $41K | $196K | 7.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $84K | $6K | $90K | 16.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | $4K | $58K | 16.00% |
| VERA I CRUICE4 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 7.19% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 5.62% |
| MARK A LINSNER3 | 1712 AUSTIN LN ST AUGUSTINE, FL 32092 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 2.71% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCESOLUTIONS,INC | 10375 N CENTURION PKWY SUITE 100 JACKSONVILLE, FL 32256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 2.20% |
| WHITNEY L MILLWOOD3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $932 | — | $932 | 0.34% |
| LUIS M HERNANDEZ-ROSADO3 Filed as: LUIS MIGUEL HERNANDEZ-ROSADO | 2190 SAINT MARTINS DR E JACKSONVILLE, FM 32246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $296 | — | $296 | 0.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $3K | $28K | 11.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $67K | $10K | $76K | 40.33% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $589 | $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 | 1,273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 857 | $190K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 857 | $190K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $562K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $363K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $253K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,155 | $2.7M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 762 | $891K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,155 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.