| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $74K | $88K | 7.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.62% |
| BARBARA S HERMES3 | 156 PRARIE DUNE WAY ORLANDO, FL 32828 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 15.27% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP, INC | 1650 SAND LAKE ROAD SUITE 201D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $299 | $0 | $299 | 2.09% |
| MKF & ASSOCIATES INC3 Filed as: MKF AND ASSOCIATES, INC. | 156 TUSKAWIL LAKE ROAD SUITE 2352 WINTER SPRINGS, FL 32708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | $0 | $57 | 0.40% |
| RUBICON REGION LLC3 Filed as: RUBICON REGION, LLC & VARIOUS AGENT | 132 NORTHWEST 76TH DRIVE SUITE B GAINESVILLE, FL 32607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | $0 | $37 | 0.26% |
| NEENA W BEVERLY3 | 1888 EAST 6400 SOUTH HOLLADAY, UT 84121 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.20% |
| REILLY & ASSOCIATES, INC.3 Filed as: REILLY AND ASSOCIATES, INC. | 269 EAST LONG CREEK COVE LONGWOOD, FL 32750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.10% |
| MARY ANN PHELPS3 | UNKNOWN ORLANDO, FL 32826 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.10% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNER LLC | 400 NORTH TAMPA STREET, SUITE 1900 TAMPA, FL 33602 | FEDERAL INSURANCE COMPANY | $527 | $0 | $527 | 14.99% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 283 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 283 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 283 | $1.2M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 283 | $1.2M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 98 | $14K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 283 | $1.2M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 283 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.