| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $98K | $10K | $108K | 23.10% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BOULEVARD, SUITE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $3K | $26K | 5.58% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN, INC. | $18K | $0 | $18K | 5.56% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $0 | $16K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.90% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 10.69% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44 TER MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.63% |
| BT VENTURES, LLC3 | 8100 SW 54 AVNEUE MIAMI, FL 33143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.58% |
| MARIA CARDENAL3 | 10301 SW 98TH AVENUE MIAMI, FL 33176 | CONTINENTAL AMERICAN INSURANCE COMPANY | $743 | $0 | $743 | 0.98% |
| TOMAS E FLORES3 | 5711 JEFFERSON STREET, APARTMENT308 WEST NEW YORK, NJ 07093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | $0 | $135 | 0.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.99% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORP CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.98% |
| NATIONALAGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | UNKNOWN HOLLYWOOD, FL 33021 | PREFERRED LEGAL PLAN | $2K | $0 | $2K | 21.11% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE. SUITE 1950 ATLANTA, GA 30339 | SAFEGUARD HEALTH PLANS, INC. | $1K | $116 | $2K | 39.74% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHARGIN BOULEVARD, SUITE 365 BEACHWOOD, OH 44122 | SAFEGUARD HEALTH PLANS, INC. | $217 | $55 | $272 | 7.09% |
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 | 526 | 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) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 99 | $357K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,183 | $473K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,183 | $469K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,183 | $469K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,183 | $469K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $110K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,183 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,183 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.