| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 180 N. STETSON AVE. CHICAGO, IL 60601 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (ANTHEM) | $57K | — | $57K | 1.22% |
| PROVIDENCE INSURANCE GROUP INC3 Filed as: THE PROVIDENCE INSURANCE GROUP INC. | 4180 PROVIDENCE RD., SUITE 200 MARIETTA, GA 30062 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (ANTHEM) | $53K | — | $53K | 1.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (ANTHEM) | $20K | — | $20K | 0.43% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $17K | 5.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 2.71% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | P.O. BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC. | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 12.43% |
| KARLE E STINEHOUR3 Filed as: KARLE EDWARD STINEHOUR | 1862 ALLGOOD ROAD MARIETTA, GA 30062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 9.87% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $11K | $23K | 9.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $958 | $6K | 4.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.74% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | P.O. BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 20679 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 26.04% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.66% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $819 | $635 | $1K | 15.18% |
| KARL EDWARD STINEHOUR3 | 1862 ALLGOOD ROAD MARIETTA, GA 30062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $788 | — | $788 | 8.22% |
| THE MATHIS-HILL-ROBERTSON AGENCY3 | 5040 ROSWELL ROAD ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16 | — | $16 | 0.17% |
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 | 2,027 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (ANTHEM) | 823 | $4.7M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 908 | $252K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,027 | $486K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,027 | $341K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,027 | $341K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (ANTHEM) | 823 | $4.7M |
| Other(5 contracts, 3 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (ANTHEM) | 2,027 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,027 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.