| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE STOP LOSS - UNITED HEALTH | $94K | — | $94K | 15.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30039 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62K | $28K | $90K | 14.50% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BLVD CLAYTON, MO 63105 | DELTA DENTAL OF ARKANSAS | — | — | $0 | 0.00% |
| WHITNEY FRANCIS3 | 2241 IRONDALE DR BENTON, AR 72019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $81 | $2K | 4.31% |
| THE FRANCIS GROUP LLC3 | 403 NORTH ST. BENTON, AR 72015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $986 | $333 | $1K | 2.35% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BLVD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $908 | $231 | $1K | 2.03% |
| HARBINSON BENEFIT CONSULTANTS LLC3 | PO BOX 386 PILOT KNOB, MO 63663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $490 | — | $490 | 0.87% |
| BURTON M HERRING JR3 | 922 OLD FEDERAL RD SHORTER, AL 36075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | — | $274 | 0.49% |
| GINA LEIGH SCHAEF3 | 17106 WATERVIEW MEADOW BLVD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $16 | $118 | 0.21% |
| DEBORA DAVIS3 | 252 GRANT 561 SHERIDAN, AR 72150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.18% |
| SIMMONS BENEFITS GROUP INC.3 | 528 DOGWOOD LN HIDEAWAY, TX 75771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| EAST TEXAS BUSINESS SOLUTIONS LLC | 108 SYCAMORE ST MINEOLA, TX 75773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $396K |
| DIGITAL INSURANCE INC. EIN 58-2522668 BROKER | Other commissions Service code 55 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | $12K |
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 | 561 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARKANSAS | 876 | $246K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 561 | $618K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 561 | $618K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 561 | $618K |
| Prescription drug | RXBENEFITS, INC. | 507 | $1.9M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE STOP LOSS - UNITED HEALTH | 508 | $626K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 561 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 876 | — |
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.