| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $54K | $59K | 4.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| BARBARA S HERMES3 Filed as: BARBARA S. HERMES | 156 PRAIRIE DUNE WAY ORLANDO, FL 32826 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.53% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP, INC. | 1650 SAND LAKE ROAD, SUITE 201D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $410 | — | $410 | 1.94% |
| MFK & ASSOCIATES INC3 Filed as: MFK AND ASSOCIATES | 156 TUSKAWILLA ROAD, SUITE 2352 WINTER SPRINGS, FL 32708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.34% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC & OTHER AGENT | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.34% |
| NEENA W BEVERLY3 | 11521 SOUTH BLACK FOREST DRIVE SANDY, UT 84094 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.25% |
| MARY ANN PHELPS3 | 2329 ROCHELLE AVENUE KISSIMMEE, FL 34746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.17% |
| BRIAN WHITE3 Filed as: BRIAN M HANLEY | 2798 MERIDIAN DRIVE, SUITE 7 GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.13% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE INC. | 400 NORTH TAMPA STREET, SUITE 1900 TAMPA, FL 33602 | FEDERAL INSURANCE COMPANY | $527 | — | $527 | 15.01% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 127 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $54K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 96 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $54K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $1.3M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.