| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY SE, SUITE 234 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 3.66% |
| ROBERTS BENEFIT GROUP, INC.3 Filed as: ROBERTS BENEFIT GROUP INC. | 5110 N 40TH ST., STE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 1.42% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF AMERICA | $2K | $523 | $3K | 11.38% |
| ROGERS BENEFIT GROUP INC Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST, STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.00% |
| ENROLLEASE Filed as: DIGITAL INSURANCE IND. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | EYEMED | $2K | — | $2K | 9.85% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $280 | $1K | 12.33% |
| ROGERS BENEFIT GROUP INC Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH ST, STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $598 | $598 | 5.00% |
| DIGITAL INSURANCE LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $623 | $504 | $1K | 11.03% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $232 | $2K | 17.52% |
| ROGERS BENEFIT GROUP INC Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH ST, STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $458 | $458 | 4.99% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $646 | $103 | $749 | 17.39% |
| ROGERS BENEFIT GROUP INC Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH ST, STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $215 | $215 | 4.99% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 256 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $10K |
| Vision | EYEMED | 224 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 191 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $9K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.