| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE CO | $26K | $4K | $30K | 3.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MISSOURI | $11K | $0 | $11K | 11.62% |
| ARNOLD E BELL3 | 1836 FERNDALE ST CAPE GIRARDEAU, MO 63701 | AFLAC | $3K | $67 | $3K | 7.35% |
| ETHEL EBLEN3 Filed as: ETHEL P EBLEN | 330 BELLEZZA DR BALLWIN, MO 63021 | AFLAC | $3K | $160 | $3K | 6.77% |
| SAMUEL B KIGHT3 | 3241 BORDEAU DR CAPE GIRARDEAU, MO 63701 | AFLAC | $1K | $45 | $1K | 2.33% |
| JAMES W MATTINGLY3 | 3998 COUNTY RD 448 DUDLEY, MO 63936 | AFLAC | $963 | $45 | $1K | 2.23% |
| VANESSA E HAGEDORN3 | 214 TWIN BIRCH CT LAKE SAINT LOUIS, MO 63367 | AFLAC | $482 | $0 | $482 | 1.07% |
| PREMIER GROUP BENEFITS LLC3 | 11500 OLIVE BLVD STE 258 SAINT LOUIS, MO 63141 | AFLAC | $429 | $0 | $429 | 0.95% |
| JV HAGEDORN LLC3 | 214 TWIN BIRCH CT LAKE SAINT LOUIS, MO 63367 | AFLAC | $184 | $0 | $184 | 0.41% |
| DAVID E SCHMIDT3 | 331 SAN MARCO WAY SAINT PETERS, MO 63304 | AFLAC | $135 | $0 | $135 | 0.30% |
| JULIET MUNSELL3 | 4211 PEINE LAKES DR WENTZVILLE, MO 63385 | AFLAC | $114 | $0 | $114 | 0.25% |
| KENT HORSMAN3 | 1600 STIFEL WOODS DR CHEESTERFIELD, MO 63017 | AFLAC | $69 | $0 | $69 | 0.15% |
| TOBY L SHREVE3 | 555 SHADY BROOK DR CAPE GIRARDEAU, MO 63701 | AFLAC | $57 | $0 | $57 | 0.13% |
| ALEXANDER I MIRO3 | 7160 DALLAS PKWAY STE 250 PLANO, TX 75024 | AFLAC | $56 | $0 | $56 | 0.12% |
| BRADLEY K HARRISON3 | 3824 BENNINGTON LN JEFFERSON CITY, MO 65109 | AFLAC | $27 | $0 | $27 | 0.06% |
| CHARLEY C MACY3 | 2423 SIMS AVE SAINT LOUIS, MO 63114 | AFLAC | $25 | $0 | $25 | 0.06% |
| JACOB A HAGEDORN3 Filed as: JACOB ANDREW HAGEDORN | 214 TWIN BIRCH CT LAKE SAINT LOUIS, MO 63367 | AFLAC | $17 | $0 | $17 | 0.04% |
| BRADLEY T VANDEGRIFFE3 | 914 CREEKMOORE DR RAYMORE, MO 64083 | AFLAC | $12 | $0 | $12 | 0.03% |
| JEFFREY HIMMELRICK3 Filed as: JEFFREY A HIMMELRICK | 2215 W A ST NORTH PLATTE, NE 69101 | AFLAC | $3 | $0 | $3 | 0.01% |
| CHRISTOPHER M ASHTON3 | 28 N 8TH STREET GUITAR BLDG STE 317 COLUMBIA, MO 65201 | AFLAC | $3 | $0 | $3 | 0.01% |
| BRIAN D NEUNER3 | 7651 E HIGHWAY WW COLUMBIA, MO 65201 | AFLAC | $2 | $0 | $2 | 0.00% |
| ROBIN M CALLAWAY3 | 10201 W MARKHAM ST STE 203 LITTLE ROCK, AR 72205 | AFLAC | $2 | $0 | $2 | 0.00% |
| JEFFREY HIMMELRICK3 | 2215 W A ST NORTH PLATTE, NE 69101 | AFLAC | $1 | $0 | $1 | 0.00% |
| TYSON C FUNK3 | 917 CROWN POINTE TERRACE CT WILDWOOD, MO 63021 | AFLAC | $1 | $0 | $1 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $3K | $2K | $5K | 11.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $3K | $1K | $4K | 18.64% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | EYE MED | $1K | $0 | $1K | 10.60% |
| JOHN AKINS4 | 4420 COLONIAL AVE SAINT LOUIS, MO 63121 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $334 | $0 | $334 | 8.89% |
| ENROLLEASE4 Filed as: DIGITAL INSURANCE INS | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $210 | $0 | $210 | 5.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $106 | $0 | $106 | 15.06% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 113 | $969K |
| Dental | DELTA DENTAL OF MISSOURI | 206 | $97K |
| Vision | EYE MED | 165 | $11K |
| Life insurance | RELIANCE STANDARD | 127 | $44K |
| Long-term disability | RELIANCE STANDARD | 132 | $22K |
| Other(5 contracts, 4 carriers) | AFLAC | 127 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.