| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 6.74% |
| INTRUST BUSINESS PARTNERS LLC3 | 17852 N US HIGHWAY 41 LUTZ, FL 33549 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $351 | $351 | 0.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE-FLORIDA | 12404 PARK CENTRAL DRIVE STE 400 S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $16 | — | $16 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 14.18% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| INTRUST BUSINESS PARTNERS LLC3 | 412 MADISON ST. SUITE 809 TAMPA, FL 33602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $511 | $511 | 1.99% |
| CASE BENEFIT CONSULTANTS3 Filed as: CASE BENEFIT CONSULTANTS LLC | 300 W. PLATT ST. STE 200 TAMPA, FL 33606 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.16% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $756 | $160 | $916 | 7.75% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $201 | $61 | $262 | 2.22% |
| INTRUST BUSINESS PARTNERS LLC3 | 17852 N. US HIGHWAY 41 LUTZ, FL 33549 | METROPOLITAN LIFE INSURANCE COMPANY | $75 | — | $75 | 0.63% |
| BENEFITMALL3 Filed as: BENEFITMALL HOLDING INC. | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13 | $13 | 0.11% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 58 | $324K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 36 | $26K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 36 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $12K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.