| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DR BRANDON, FL 33511 | HUMANA MEDICAL PLAN, INC | $34K | — | $34K | 5.00% |
| DIGITAL INSURANCE LLC3 | 1105 NIKKI VIEW DRIVE BRANDON, FL 33511 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 14.81% |
| HARRISON-DAVIS INC3 | 5426 BAY CENTER DRIVE SUITE 550 TAMPA, FL 336093406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40 | — | $40 | 0.10% |
| DAVIS II COMPANIES LLC3 | 5426 BAY CENTER DRIVE TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 0.05% |
| DIGITAL INSURANCE LLC3 | 1105 NIKKI VIEW DRIVE BRANDON, FL 33511 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $232 | $5K | 15.75% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 12.88% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS | 1105 NIKKIE VIEW DRIVE BRANDON, FL 33511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 9.60% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR PHILLIPS BLVD ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $324 | $2K | 7.66% |
| JOHN PICCININI3 | 425 W COLONIAL DR STE 304 ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $458 | $10 | $468 | 2.10% |
| JEFFREY F BARNETT3 Filed as: JEFFREY BARNETT | 8840 DARLENE DRIVE ORLANDO, FL 32836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $284 | $371 | 1.66% |
| HYLANT GROUP INC3 | 250 INTERNATIONAL PKWY LAKE MARY, FL 32746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.59% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIR STE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.17% |
| AGGRESSIVE NETWORKER LLC3 | 11 N MILLS AVE ORLANDO, FL 32801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 GEORGIA, FL 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $90 | $2K | 15.76% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $355 | $18 | $373 | 15.77% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC | 83 | $672K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $40K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $40K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $14K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 33 | $31K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 33 | $31K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 114 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.