| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | SUITE B 15153 TECHNOLOGY DRIVE EDEN PRAIRIE, MN 55344 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.00% |
| IBSI HOLDINGS INC3 | PO BOX 24337 WINSTON-SALEM, NC 27114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $383 | $0 | $383 | 5.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $529 | $0 | $529 | 9.77% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDING INC | PO BOX 24337 WINSTON SALEM, NC 27114 | STANDARD INSURANCE COMPANY | $264 | $0 | $264 | 4.87% |
| ENROLLEASE3 Filed as: ONE DIGITAL - RALEIGH, NC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $82 | $0 | $82 | 9.81% |
| IBSI HOLDINGS INC3 Filed as: IBSI BROKERS | PO BOX 24337 WINSTON SALEM, NC 27114 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $41 | $0 | $41 | 4.90% |
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 | 158 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 124 | $5K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 171 | $836 |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $8K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $8K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $8K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 107 | $21K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $8K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.