| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BLUE OPTIONS BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | — | $32K | 4.06% |
| RODNEY RICH & COMPANY3 | 300 N TARRAGONA ST PENSACOLA, FL 32501 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | FLORIDA COMBINED LIFE | $6K | — | $6K | 6.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, ZACH FLORIDA BLUE | 4800 DEERWOOD CAMPUS PRKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $3K | — | $3K | 3.29% |
| RODNEY RICH & COMPANY3 | 300 N TARRAGONA ST PENSACOLA, FL 325014859 | FLORIDA COMBINED LIFE | $2K | — | $2K | 2.45% |
| FLORIDA BLUE3 Filed as: MYERS, KEVIN FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $490 | — | $490 | 0.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | GUARDIAN | $3K | $4K | $7K | 10.13% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $190 | $2K | 7.94% |
| RODNEY RICH & COMPANY3 Filed as: RODNEY RICH & CO | 300 N TARRAGONA ST PENSACOLA, FL 325014859 | METROPOLITAN LIFE INSURANCE COMPANY | $294 | $996 | $1K | 6.33% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE OPTIONS BLUE CROSS BLUE SHIELD OF FLORIDA | 157 | $1.0M |
| Dental(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 431 | $105K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 431 | $20K |
| Life insurance | GUARDIAN | 163 | $74K |
| Long-term disability | GUARDIAN | 163 | $74K |
| Prescription drug | BLUE OPTIONS BLUE CROSS BLUE SHIELD OF FLORIDA | 157 | $784K |
| Other | GUARDIAN | 163 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.