| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RODNEY L RICH CO INC3 | 300 N TARRAGONA ST PENSACOLA, FL 32501 | THE STANDARD INSURANCE COMPANY | $8K | — | $8K | 0.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.20% |
| RODNEY L RICH CO INC3 | 300 N TARRAGONA ST PENSACOLA, FL 32501 | THE STANDARD INSURANCE COMPANY | $540 | $0 | $540 | 0.05% |
| RODNEY RICH & COMPANY3 | 300 N TARRAGONA ST PENSACOLA, FL 32501 | HEALTH OPTIONS | $38K | — | $38K | 4.00% |
| RODNEY RICH & COMPANY3 | 300 N TARRAGONA ST PENSACOLA, FL 32501 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | — | $14K | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | HEALTH OPTIONS | $8K | — | $8K | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 4.00% |
| RODNEY L RICH CO INC3 | 300 N TARRAGONA ST PENSACOLA, FL 32501 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.37% |
| RODNEY L RICH CO INC3 | 300 N TARRAGONA ST PENSACOLA, FL 32501 | STANDARD INSURANCE COMPANY | $474 | $0 | $474 | 1.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $301 | — | $301 | 0.74% |
| RODNEY L RICH CO INC3 | 300 N TARRAGONA ST PENSACOLA, FL 32501 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.09% |
| RODNEY L RICH CO INC3 | 300 N TARRAGONA ST PENSACOLA, FL 32501 | STANDARD INSURANCE COMPANY | $363 | $0 | $363 | 1.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30336 | STANDARD INSURANCE COMPANY | $199 | — | $199 | 0.76% |
| RODNEY L RICH CO INC3 | 300 N TARRAGONA ST PENSACOLA, FL 32501 | THE STSNDARD INSURNCE COMPANY | $1K | — | $1K | 6.67% |
| RODNEY L RICH CO INC3 | 300 N TARRAGONA ST PENSACOLA, FL 32501 | THE STSNDARD INSURNCE COMPANY | $171 | $0 | $171 | 0.95% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL SERVICES | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE STSNDARD INSURNCE COMPANY | $155 | — | $155 | 0.86% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | TELADOC HEALTH, INC | $2K | — | $2K | 15.00% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 254 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HEALTH OPTIONS | 134 | $1.6M |
| Dental | THE STANDARD INSURANCE COMPANY | 187 | $985K |
| Vision | THE STSNDARD INSURNCE COMPANY | 145 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 254 | $26K |
| Long-term disability | STANDARD INSURANCE COMPANY | 254 | $41K |
| Other | TELADOC HEALTH, INC | 217 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.