| 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 | $124K | — | $124K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $178 | $8K | 15.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $98 | $4K | 15.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $41 | $2K | 15.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARLWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $67 | — | $67 | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $944 | $1 | $945 | 15.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUNLIFE ASSURANCE COMPANY OF CANADA EIN 38-1082080 CLAIMS/ADMIN | Claims processing; Other fees Service code 12 | — | $21K |
| J SMITH LANIER & COMPANY BROKER | Insurance agents and brokers; Other commissions 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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 284 | $2.5M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 589 | $37K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $12K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $39K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $54K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.