| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELDEN BEATTIE BENEFIT ADVISORS3 | 7301 SW 57TH COURT, SUITE 500 SOUTH MIAMI, FL 33143 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $2K | $44K | 10.90% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $7K | $23K | 5.79% |
| 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 | 6.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 26.56% |
| ILEEN SANCHEZ-MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 21.40% |
| MARIA CARDENAL3 | 10301 SW 98TH AVENUE MIAMI, FL 33176 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33416 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 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 | $2K | $2K | 2.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.98% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORP CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.99% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | UNKNOWN HOLLYWOOD, FL 33021 | PREFERRED LEGAL PLAN | $2K | $0 | $2K | 24.46% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 7301 SW 57TH COURT, SUITE 500 SOUTH MIAMI, FL 33143 | SAFEGUARD HEALTH PLANS, INC. | $757 | $24 | $781 | 12.58% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | SAFEGUARD HEALTH PLANS, INC. | $252 | $101 | $353 | 5.68% |
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 | 740 | 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) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 88 | $338K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,018 | $408K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,018 | $402K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,018 | $402K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,018 | $402K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 49 | $64K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,018 | $487K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,018 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.