| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $69K | $0 | $69K | 12.63% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $22K | $22K | 4.08% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | AFLAC | $52K | $0 | $52K | 26.18% |
| AIMEE CECILIA CABRERA3 Filed as: AIMEE C. CABRERA | 11866 SOUTHWEST 97TH TERRACE MIAMI, FL 33186 | AFLAC | $18K | $0 | $18K | 8.95% |
| MJ INSURANCE3 Filed as: SARA RACHLIN AND VARIOUS AGENTS | 9701 SOUTHWEST 96TH COURT MIAMI, FL 33176 | AFLAC | $14K | $0 | $14K | 6.75% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AFLAC | $10K | $0 | $10K | 4.95% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SOUTHWEST 44TH TERRACE MIAMI, FL 33155 | AFLAC | $4K | $0 | $4K | 2.00% |
| JACQUELINE B TIFFER3 Filed as: JACQUELINE B. TIFFER | 15225 SOUTHWEST 140TH STREET MIAMI, FL 33196 | AFLAC | $2K | $0 | $2K | 1.04% |
| ANAY MASSIEL RODRIQUEZ3 | 7350 SOUTHWEST 89TH STREET SUITE 514N MIAMI, FL 33156 | AFLAC | $2K | $0 | $2K | 1.04% |
| ENROLLEASE3 Filed as: ONE DIGITAL | UNKNOWN DORAL, FL 33122 | PREFERRED LEGAL PLAN | $3K | $0 | $3K | 28.94% |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 542 | $545K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 542 | $545K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 542 | $545K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 542 | $545K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,373 | $755K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,373 | — |
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.