| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $7K | $41K | 10.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST LOUIS MO | 8182 MARYLAND AVE ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $411 | $4K | 0.99% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.72% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE SUITE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 3.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $21 | $8K | 2.69% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, CA 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $437 | $1K | 0.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 10.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 800 CAPITAL CIRCLE SE UNIT 2 TALLAHASSEE, FL 32301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.13% |
| LYNN M SPEARS3 | 928 COLLINSWOOD DR. JACKSONVILLE, FL 32225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $914 | — | $914 | 0.61% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL & ASSOCIATES | 711 BEACH BLVD. APT 1316 JACKSONVILLE BEACH, FL 32250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $16K | 10.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST LOUIS MO | 8182 MARYLAND AVE ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $159 | $1K | 0.96% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE, INC. GA | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 303395946 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 4.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. HOUSTON | 5555 SAN FELIPE SUITE 1500 HOUSTON, TX 770562739 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 2.10% |
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 | 693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,063 | $314K |
| Vision | HUMANA INSURANCE COMPANY | 376 | $63K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 848 | $373K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 396 | $149K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 848 | $373K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 848 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,063 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.