| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $2K | $17K | 19.29% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.74% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS, INC. | $1K | $0 | $1K | 9.97% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | ANTHEM HEALTH PLANS, INC. | $0 | $432 | $432 | 4.19% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | ANTHEM HEALTH PLANS, INC. | $0 | $83 | $83 | 0.80% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $0 |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $0 |
| Vision | ANTHEM HEALTH PLANS, INC. | 155 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $87K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $87K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $87K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $0 |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
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.