| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IBENEFIT COMMUNICATION LLC Filed as: IBENEFIT COMMUNICATION, LLC | 6230 FAIRVIEW ROAD, SUITE 120 CHARLOTTE, NC 28210 | RELIASTAR LIFE INSURANCE COMPANY | $34K | $0 | $34K | 4.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | RELIASTAR LIFE INSURANCE COMPANY | $33K | $0 | $33K | 4.38% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN, INC | 101 GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $12K | $12K | 1.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GEORGIA | 900 NORTH POINT PARKWAY, SUITE 300 APHARETTA, GA 30005 | RELIASTAR LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.45% |
| CUENCA & ASSO. INS. AGENCY, INC.3 Filed as: CUENCA AND ASSOC. INS AGENCY, INC | 2990 INNSBRUCK DRIVE REDDING, CA 96003 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $500 | $500 | 0.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INURANCE, LLC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE CORP. | $24K | $0 | $24K | 5.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GEORGIA | 900 NORTH POINT PARKWAY, SUITE 300 APHARETTA, GA 30005 | AMERITAS LIFE INSURANCE CORP. | $21K | $0 | $21K | 4.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERVICES | 3520 THOMASVILLE ROAD, SUITE 500 TALLAHASSEE, FL 32309 | AMERITAS LIFE INSURANCE CORP. | $0 | $8K | $8K | 1.77% |
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 | 586 | 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) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,102 | $457K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,125 | $0 |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 586 | $763K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 586 | $763K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 586 | $763K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 631 | $776K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,125 | — |
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.