| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 10672 BLOOMINGDALE AVE UNIT 102 RIVERVIEW, FL 33578 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 6.41% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS, INC | 10672 BLOOMINGDALE AVE SUITE 102 RIVERVIEW, FL 33578 | BLUE CROSS BLUE SHIELD OF FLORIDA | $944 | — | $944 | 0.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $756 | $6K | 15.48% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $492 | — | $492 | 1.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS, INC. | 10672 BLOOMINGDALE AVE STE 102 RIVERVIEW, FL 33578 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $82 | — | $82 | 9.96% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 13 | $160K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 99 | $38K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 118 | $823 |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $41K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 13 | $160K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.