| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | ONEDIGITAL HEALTH AND BENEFITS 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | DELTA DENTAL PLAN OF VERMONT, INC. | $5K | — | $5K | 3.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | ONEDIGITAL HEALTH AND BENEFITS 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | DELTA DENTAL PLAN OF VERMONT, INC. | $871 | — | $871 | 0.67% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 8.48% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $174 | $174 | 0.30% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 364 SHELBOURNE ROAD BURLINGTON, VT 05401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $124 | $4K | 8.79% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $789 | — | $789 | 8.08% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $488 | — | $488 | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $46 | — | $46 | 0.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $773 | — | $773 | 7.93% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $487 | — | $487 | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $38 | $38 | 0.39% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $609K |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 274 | $129K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $609K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $52K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $59K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $10K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
No prospect flags tripped on this filing.