| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | BLUE OPTIONS | $29K | — | $29K | 4.25% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HEALTH OPTIONS | $25K | — | $25K | 4.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 300 N. TARRAGONA ST PENSACOLA, FL 32501 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $6K | $6K | $12K | 3.14% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE | $8K | $7K | $15K | 9.27% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE | $365 | — | $365 | 0.23% |
| RODNEY L RICH CO INC3 Filed as: RODNEY L RICH INC | 300 N TARRAGONA ST PENSACOLA, FL 32501 | PRINCIPAL LIFE | $14 | — | $14 | 0.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE | $5K | — | $5K | 10.02% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE | $156 | — | $156 | 0.33% |
| RODNEY RICH & COMPANY3 | 300 N TARRAGONA ST PENSACOLA, FL 325014859 | BLUE CROSS BLUE SHEILD OF FLORIDA | $26 | — | $26 | 0.08% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE | $2K | — | $2K | 7.51% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE | $58 | — | $58 | 0.28% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.84% |
| RODNEY L RICH CO INC3 Filed as: RODNEY RICH & CO INS | 300 N TARRAGONA ST PENSACOLA, FL 325014859 | PRINCIPAL LIFE INSURANCE COMPANY | $499 | — | $499 | 4.16% |
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 | 342 | 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) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HEALTH OPTIONS | 128 | $1.0M |
| Dental | PRINCIPAL LIFE | 342 | $158K |
| Life insurance(2 contracts) | PRINCIPAL LIFE | 342 | $205K |
| Short-term disability | PRINCIPAL LIFE | 64 | $20K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 28 | $12K |
| Prescription drug(3 contracts, 2 carriers) | BLUE OPTIONS | 68 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.