| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $187K | $187K | 7.11% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $0 | $37K | 11.65% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 1.73% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR PHILLIPS BOULEVARD ORLANDO, FL 32819 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $3K | $17K | 11.85% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 7.29% |
| JEFFERY TAL WEBB3 Filed as: JEFFERY F. BARNETT | 8840 DARLENE DRIVE ORLANDO, FL 32836 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 3.11% |
| JOHN PICCININI3 | 425 WEST COLONIAL DRIVE, SUITE 304 ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $372 | $3K | 1.90% |
| KAREN PICCININI3 | 425 WEST COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $503 | $2K | 1.73% |
| AGGRESSIVE NETWORKER LLC3 | 11 NORTH MILLS AVENUE ORLANDO, FL 32801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $0 | $81 | 0.06% |
| MJ INSURANCE3 Filed as: ROBERT MATHEWS AND VARIOUS AGENTS | 3633 EAST OSCEOLA ROAD GENEVA, FL 32732 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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 |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 472 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $318K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $318K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 187 | $142K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 472 | $2.6M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 187 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.