| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE ST SUITE 3005 PITTSBURGH, PA 15233 | CAREFIRST BLUECHOICE | — | $25K | $25K | 1.62% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CAREFIRST BLUECHOICE | $4K | $18K | $23K | 1.44% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE | — | $11K | $11K | 0.72% |
| AP BENEFIT ADVISORS, LLC5 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE | — | $2K | $2K | 0.14% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 6.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1501 REEDSDALE ST PITTSBURGH, PA 15233 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $556 | $2K | 2.62% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 15.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SRVICES INC | 1501 REEDSDALE ST STE 2005 PITTSBURGH, PA 15233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.69% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 10.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE ST STE 2005 PITTSBURGH, PA 15233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.39% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 12.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE ST STE 2005 PITTSBURGH, PA 15233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.59% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 6.82% |
| SAGEWELL PARTNERS INC3 Filed as: SAGEWELL PARTNERS, INC. | 1501 REEDSDALE ST, SUITE 2005 PITTSBURGH, PA 15233 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $390 | — | $390 | 2.25% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $563 | $2K | 11.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE ST STE 2005 PITTSBURGH, PA 15233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $355 | — | $355 | 2.40% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 127 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $89K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 156 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $64K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $44K |
| Prescription drug | CAREFIRST BLUECHOICE | 127 | $1.6M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.