| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | AETNA HEALTH, INC. | $50K | $8K | $58K | 7.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43K | $11K | $54K | 22.21% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 4.68% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 6.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | TRANSAMERICA LIFE INSURANCE COMPANY | $284 | — | $284 | 7.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 7202 E. ROSEWOOD, SUITE 200 TUCSON, AZ 857512702 | TRANSAMERICA LIFE INSURANCE COMPANY | $252 | — | $252 | 6.49% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E. DOUBLETREE RANCH ROAD SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $100 | — | $100 | 2.58% |
| ACRISURE LLC3 Filed as: ACRISURE OF CA LLC | 2339 N. CAREFREE CIRCLE FLAGSTAFF, AZ 86004 | TRANSAMERICA LIFE INSURANCE COMPANY | $72 | — | $72 | 1.86% |
| WESTBROOK FINANCIAL SERVICES3 | 7425 E. STETSON DRIVE SCOTTSDALE, AZ 85251 | TRANSAMERICA LIFE INSURANCE COMPANY | $18 | — | $18 | 0.46% |
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 | 260 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 180 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $242K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $242K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $242K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $242K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $242K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 180 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $245K |
| 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."
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.