| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY | $40K | $20K | $61K | 7.64% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | GUARDIAN LIFE INSURANCE COMPANY | $28K | $17K | $45K | 5.62% |
| CLJM LLC DBA HM BENEFITS3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | UNITED HEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 7.52% |
| ENROLLEASE3 Filed as: ONEDIGITAL - ST. LOUIS | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITED HEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 7.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $323K |
| CLJM LLC DBA HM BENEFITS EIN 35-2232153 BROKER | Other commissions Service code 55 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | $8K |
| ONEDIGITAL - ST LOUIS EIN 58-2522668 BROKER | Other commissions Service code 55 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | $5K |
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 | 472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,016 | $332K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 1,246 | $796K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 1,246 | $796K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 1,246 | $796K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 1,246 | $796K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 1,016 | $332K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,016 | $332K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 1,246 | $796K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,246 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.