| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 6.93% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 34500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 441225646 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 6.45% |
| MFB FINANCIAL DBA THE BAILEY GROUP0 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | PO BOX785700 PHILADELPHIA, PA 191785700 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.93% |
| ALLEGIANT BENEFITS & SERVICES LLC3 Filed as: ALLEGIANT BENEFITS AND SERVICES LLC | 7512 DR PHILLIPS BOULEVARD SUITE 50-8 ORLANDO, FL 32819 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $165 | $8K | 7.97% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $312 | $4K | 3.86% |
| JEFFERY TAL WEBB3 Filed as: JEFFERY F. BARNETT | 8840 DARLENE DRIVE ORLANDO, FL 32836 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 2.68% |
| JOHN PICCININI3 | 425 WEST COLONIAL DRIVE, SUTIE 304 ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $630 | $0 | $630 | 0.63% |
| KAREN PICCININI3 | 6609 THE LANDINGS DRIVE BELLE ISLE, FL 32812 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $612 | $0 | $612 | 0.62% |
| MFB FINANCIAL INC3 | DBA THE BAILEY GROUP ST AUGUSTINE, FL 32080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $162 | $0 | $162 | 0.16% |
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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $115K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $115K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 84 | $100K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 84 | $100K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 84 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.