| 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 | $24K | $0 | $24K | 17.78% |
| KISTLER TIFFANY BENEFITS3 Filed as: KRISTLER TIFFANY BENEFITS | STE 200, 400 BERWYN PARK 899 CASSATT RD BERWYN, PA 19312 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 5.00% |
| IBSI HOLDINGS INC3 | PO BOX 24337 WINSTON-SALEM, NC 27114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.62% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $41 | $41 | 0.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRUASSURE INSURANCE COMPANY | $9K | $0 | $9K | 10.46% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDING INC | PO BOX 24337 WINSTON SALEM, NC 27114 | TRUASSURE INSURANCE COMPANY | $4K | $0 | $4K | 4.37% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES LLC | 400 899 CASSATT RD BERWYN, PA 19312 | TRUASSURE INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL - RALEIGH, NC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $867 | $0 | $867 | 7.33% |
| IBSI HOLDINGS INC3 Filed as: IBSI BROKERS | PO BOX 24337 WINSTON SALEM, NC 27114 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $482 | $0 | $482 | 4.08% |
| ENROLLEASE3 Filed as: ONE DIGITAL - ATLANTA, GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $297 | $0 | $297 | 2.51% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK, STE 200 899 CASSATT RD BERWYN, PA 19312 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $100 | $0 | $100 | 0.85% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | TRUASSURE INSURANCE COMPANY | 222 | $83K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 204 | $12K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 215 | $134K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 215 | $134K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 215 | $134K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 141 | $330K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 215 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.