| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $120K | — | $120K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $473 | — | $473 | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.38% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.48% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $606 | — | $606 | 4.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $337 | — | $337 | 7.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $170 | — | $170 | 3.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18 | — | $18 | 9.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9 | — | $9 | 4.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUNLIFE ASSURANCE COMPANY OF CANADA EIN 38-1082080 CLAIMS/ADMIN | Claims processing; Other fees Service code 12 | — | $20K |
| J SMITH LANIER & COMPANY BROKER | Other commissions; Insurance agents and brokers Service code 22 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | $10K |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 266 | $2.4M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 232 | $35K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $13K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $35K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $55K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.