| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE, INC. GEORGIA | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $25K | $5K | $30K | 1.79% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY METAIRIE, LA 70002 | HUMANA INSURANCE COMPANY | $24K | $0 | $24K | 1.44% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, VA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $836 | $8K | 7.15% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 6.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $568 | $6K | 5.10% |
| ROBERT A LEVY3 Filed as: ROBERT A. LEVY | 1600 DIVISION STREET, SUITE 420 NASHVILLE, TN 37203 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $3K | $0 | $3K | 4.17% |
| CHARLES LEE ARLEDGE3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $2K | $0 | $2K | 2.61% |
| MATTHEW B MORASKI3 Filed as: MATTHEW B. MORASKI | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $725 | $0 | $725 | 1.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION STREET, SUITE 200 NASHVILLE, TN 37203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 21.77% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 175 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 254 | $67K |
| Vision | HUMANA INSURANCE COMPANY | 175 | $1.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $110K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 10 | $6K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $110K |
| Prescription drug | HUMANA INSURANCE COMPANY | 175 | $1.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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.
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.