| 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 | $14K | $3K | $17K | 14.64% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 S ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 12.12% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 5955 CARNEGIE BLVD SUITE 140 CHARLOTTE, NC 28209 | EYEMED VISION CARE | $878 | — | $878 | 5.95% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 6525 MORRISON BLVD STE 215 CHARLOTTE, NC 28211 | EYEMED VISION CARE | $833 | — | $833 | 5.64% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $84K |
| Vision | EYEMED VISION CARE | 146 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $116K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $116K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $116K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 167 | $413K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.