| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $44K | $945 | $45K | 8.20% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE. STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 10.91% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES, LLC | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.30% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.30% |
| ENROLLEASE3 Filed as: ONEDIGITAL HEALTH AND BENEFITS | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HEALTHIESTYOU C/O TELADOC HEALTH INC. | $2K | — | $2K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 23.74% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 164 | $554K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 164 | $554K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $56K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $56K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $56K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 164 | $554K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.