| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $3K | $25K | 13.71% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | $14K | — | $14K | 8.00% |
| BENEFITSTORE INC3 | DALLAS REGIONAL LOCKBOX BENEFITSTORE LOCKBOX NUMBER 893383 RICHARDSON, TX 75081 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $100 | $7K | 14.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.67% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $715 | — | $715 | 1.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC. | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $179 | — | $179 | 0.36% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 6525 MORRISON BLVD STE 215 CHARLOTTE, NC 28211 | EYEMED VISION CARE | $4K | — | $4K | 10.06% |
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 | 525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 299 | $170K |
| Vision | EYEMED VISION CARE | 362 | $37K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 715 | $185K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 715 | $185K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 715 | $185K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 715 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 715 | — |
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.