| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $42K | $2K | $44K | 1.93% |
| SENA FRIESEN MEILLEUR3 | PO BOX 2127 SO BURLINGTON, VT 05407 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $4K | — | $4K | 0.17% |
| DIGITAL INSURANCE LLC3 | ONE DIGITAL HEALTH AND BENEFITS 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL PLAN OF VERMONT, INC. | $5K | — | $5K | 3.69% |
| DIGITAL INSURANCE LLC3 | 8700 WEST BRYN MAWR STE 900S CHICAGO, IL 60631 | STANDARD INSURANCE COMPANY | $6K | $1K | $7K | 12.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| DIGITAL INSURANCE LLC3 | 8700 WEST BRYN MAWR STE 900S CHICAGO, IL 60631 | STANDARD INSURANCE COMPANY | $3K | $808 | $4K | 12.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| DIGITAL INSURANCE LLC3 | 8700 WEST BRYN MAWR STE 900S CHICAGO, IL 60631 | STANDARD INSURANCE COMPANY | $2K | $510 | $3K | 12.45% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFIT RESEARCH LLC | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $803 | — | $803 | 6.40% |
| DIGITAL INSURANCE LLC3 | 8700 WEST BRYN MAWR STE 900S CHICAGO, IL 60631 | STANDARD INSURANCE COMPANY | $820 | $58 | $878 | 46.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $101 | — | $101 | 5.33% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 268 | $2.3M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 267 | $144K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 268 | $2.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 189 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY | 186 | $57K |
| Long-term disability | STANDARD INSURANCE COMPANY | 186 | $34K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 268 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.