| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $9K | $17K | 16.57% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FL CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 9.10% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.99% |
| HORACIO J. CABRAL3 Filed as: HORACIO J CABRAL | 37 DARTMOUTH LN EAST LONGMEADOW, MA 01028 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS, INC. | $1K | $253 | $1K | 13.98% |
| HORACIO J. CABRAL4 Filed as: HORACIO J CABRAL | 37 DARTMOUTH LN EAST LONGMEADOW, MA 01028 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $234 | — | $234 | 5.94% |
| HORACIO J. CABRAL4 Filed as: HORACIO J CABRAL | 37 DARTMOUTH LN EAST LONGMEADOW, MA 01028 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $70 | — | $70 | 3.78% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS, INC. | 195 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $104K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $104K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $104K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.