| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 72 SHARP STREET, UNIT C12 HINGHAM, MA 02043 | HARTFORD LIFE AND ACCIDENT | $30K | $0 | $30K | 8.18% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 1.46% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 1.23% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $7K | $15K | 9.32% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 14.07% |
| FBMC BENEFITS MANAGEMENT INC3 Filed as: FBMC BENEFITS MANAGEMENT, INC | 780 WEST GRANADA BOULEVARD SUITE 200 ORMOND BEACH, FL 32174 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 4.64% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.15% |
| ANAMARIA LEON AND OTHER AGENTS3 | 5000 SW 65 AVENUE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 2.95% |
| NATALIA DURAN GUZMAN3 | 1945 SW 25TH TER MAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.15% |
| SVETLANA MAGILNER3 | 7400 SW 50TH TER, SUITE 300 APARTMENT 710 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.09% |
| DENISSE HANDAL3 Filed as: DENISSE HANDAL YUJA | 1200 SW 97TH AVENUE MIAMI, FL 33174 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.05% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $166K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $166K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 333 | $367K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 333 | $367K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 333 | $367K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 333 | $513K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.