| 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 | $26K | $0 | $26K | 16.88% |
| KISTLER TIFFANY BENEFITS3 Filed as: KRISTLER TIFFANY BENEFITS | STE 200, 400 BERWYN PARK 899 CASSATT RD BERWYN, PA 19312 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 5.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $48 | $48 | 0.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRUASSURE INSURANCE COMPANY | $10K | $0 | $10K | 10.71% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES LLC | 400 899 CASSATT RD BERWYN, PA 19312 | TRUASSURE INSURANCE COMPANY | $5K | $0 | $5K | 4.97% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDING INC | PO BOX 24337 WINSTON SALEM, NC 27114 | TRUASSURE INSURANCE COMPANY | $363 | $0 | $363 | 0.39% |
| ENROLLEASE3 Filed as: ONE DIGITAL - ATLANTA, GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.52% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK, STE 200 899 CASSATT RD BERWYN, PA 19312 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $616 | $0 | $616 | 4.36% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | TRUASSURE INSURANCE COMPANY | 215 | $93K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 220 | $14K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 216 | $156K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 216 | $156K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 216 | $156K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 132 | $393K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 216 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.