| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH SULLIVAN3 | 1105 NIKKI DRIVE BRANDON, FL 33511 | SUN LIFE ASSURANCE COMPANY OF CANADA | $61K | — | $61K | 9.81% |
| REFINED BENEFITS DBA SULLIVAN3 | 10672 BLOOMINGDALE AVE SUITE 102 RIVERVIEW, FL 33578 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 2.44% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS | 10672 BLOOMINGDALE AVE SUITE 102 RIVERVIEW, FL 33578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $5K | $20K | 18.77% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ST. SUITE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.15% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ST. SUITE 1950 ATLANTA, GA 303395946 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $5K | $8K | 7.87% |
| DIGITAL INSURANCE LLC3 | 1105 NIKKI VIEW DR BRANDON, FL 33511 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.51% |
| REFINED BENEFITS DBA SULLIVAN3 | 10672 BLOOMINGDALE AVENUE SUITE 102 RIVERVIEW, FL 33578 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.67% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY ST. SUITE 1950 ATLANTA, GA 303395946 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $434 | — | $434 | 2.34% |
| REFINED BENEFITS DBA SULLIVAN3 | 10672 BLOOMINGDALE AVE SUITE 102 RIVERVIEW, FL 33578 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 17.25% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC/ONEDIGITAL | 720 OLD SNELLVILLE HIGHWAY SUITE 200 LAWRENCEVILLE, GA 30044 | SUN LIFE ASSURANCE COMPANY OF CANADA | $111 | — | $111 | 1.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIGITAL INSURANCE, LLC BROKER FEES | Other commissions Service code 55 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $79K |
| MERITAN HEALTH EIN 16-1264154 CLAIMS ADMINISTRATION | Other services; Claims processing; Other fees; Contract Administrator Service code 12 | — | $41K |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $99K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 189 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 450 | $106K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 450 | $113K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 450 | $106K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 245 | $623K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 450 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.