| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $75K | $51K | $127K | 18.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $3K | $17K | 11.70% |
| ENROLLEASE3 Filed as: ONEDIGITAL HEALTH AND BENEFITS | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 303395946 | ZURICH AMERICAN INSURANCE COMPANY | $264 | — | $264 | 20.00% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS INC. | 24 E 2ND ST. MEDIA, PA 19063 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $105 | — | $105 | 8.77% |
| JAMES T KINNEY3 Filed as: JAMES T. KINNEY | 250 ALDRICH AVE WARWICK, RI 02889 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $55 | — | $55 | 4.59% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC DBA | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $44 | — | $44 | 3.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $150 | — | $150 | 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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $700K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $700K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $700K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $144K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $144K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $144K |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.