| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INS. DBA ONE DIGITAL HEALTH | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $24K | $213 | $24K | 6.58% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | ONE FOREST PARK DRIVE UNIT 2 FARMINGTON, CT 06032 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $15K | — | $15K | 4.09% |
| ENROLLEASE3 Filed as: DIGITAL INS. DBA ONE DIGITAL HEALTH | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $787 | $5K | 12.25% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | SUITE 300, 325 N KIRKWOOD ROAD KIRWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.62% |
| ENROLLEASE3 Filed as: DIGITAL INS. DBA ONE DIGITAL HEALTH | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $448 | $4K | 14.60% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | SUITE 300, 325 N KIRKWOOD ROAD KIRWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $926 | — | $926 | 3.55% |
| ENROLLEASE3 Filed as: DIGITAL INS. DBA ONE DIGITAL HEALTH | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $708 | — | $708 | 15.01% |
| ENROLLEASE3 Filed as: DIGITAL INS. DBA ONE DIGITAL HEALTH | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $270 | $54 | $324 | 10.32% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | SUITE 300, 325 N KIRKWOOD ROAD KIRWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $111 | — | $111 | 3.54% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 157 | $370K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 157 | $370K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 157 | $370K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $29K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 57 | $44K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 57 | $48K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.