| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | SUITE 1950 200 GALLERIA PARKWAY ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 17.84% |
| IBSI HOLDINGS INC3 | PO BOX 24337 WINSTON-SALEM, NC 27114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 5.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $28 | $28 | 0.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRUASSURE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDING INC | PO BOX 24337 WINSTON SALEM, NC 27114 | TRUASSURE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL - RALEIGH, NC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.86% |
| IBSI HOLDINGS INC3 Filed as: IBSI BROKERS | PO BOX 24337 WINSTON SALEM, NC 27114 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $543 | $0 | $543 | 4.94% |
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 | 190 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | TRUASSURE INSURANCE COMPANY | 196 | $74K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 192 | $11K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 190 | $113K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 190 | $113K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 190 | $113K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 124 | $313K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 190 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.