| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM COMFORT TABASH LLC | 230 SOUTH BEMISTON SUITE 900 CLAYTON, MO 63105 | AETNA LIFE INSURANCE COMPANY | $27K | $2K | $29K | 3.13% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM COMFORT & TABASH | 230 SOUTH BEMISTON SUITE 900 ST. LOUIS, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $21K | $2 | $21K | 2.52% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $4K | — | $4K | 0.50% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM COMFORT & TABASH | 230 SOUTH BEMISTON SUITE 900 CLAYTON, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $433 | — | $433 | 0.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 230 SOUTH BEMISTON SUITE 900 CLAYTON, MO 63105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 16.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $708 | — | $708 | 2.30% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM COMFORT TABASH LLC | 230 SOUTH BEMISTON SUITE 900 CLAYTON, MO 63105 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $162 | $2K | 16.38% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 424 | $1.8M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 424 | $995K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $31K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $43K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.