| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 1.68% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 NORTH MERAMEC SUITE 300 CLAYTON, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $15K | $15K | 0.82% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 18.80% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 7365 WESTMORELAND DRIVE SAINT LOUIS, MO 63130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.72% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 11.34% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 7365 WESTMORELAND DRIVE SAINT LOUIS, MO 63130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $737 | — | $737 | 2.69% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 13.03% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 7365 WESTMORELAND DRIVE SAINT LOUIS, MO 63130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $721 | — | $721 | 3.30% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $434 | — | $434 | 9.15% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 173 | $1.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 334 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $27K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.