| 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 303395946 | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | $42K | — | $42K | 5.72% |
| AL THURMOND AGENCY INC3 Filed as: AL THURMOND AGENCY, INC | 14800 SAINT MARYS LANE SUITE 235 HOUSTON, TN 77079 | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | $1K | — | $1K | 0.16% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $8K | $28K | 14.45% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY ST. SUITE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.50% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 189 | $776K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 260 | $193K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 260 | $193K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 260 | $193K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 260 | $193K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 260 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.