| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $68K | $0 | $68K | 2.94% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 4300 FM 2351 FRIENDSWOOD, TX 77062 | AETNA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 0.67% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 1150 CLEAR LAKE CITY BOULEVARD SUITE 201 FRIENDSWOOD, TX 77062 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.32% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | $12K | $56K | 15.52% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 4300 FM 2351 FRIENDSWOOD, TX 77546 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 7.05% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 4.98% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | MONITOR LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.00% |
| WARREN KOLB3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | MONITOR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.50% |
| HEALTHER SMYRL3 | 4300 FM 2351 FRIENDSWOOD, TX 77546 | MONITOR LIFE INSURANCE COMPANY | $785 | $0 | $785 | 0.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF NEW MEXICO | $2K | $0 | $2K | 3.31% |
| HIGHPOINT INSURANCE GROUP, LLC3 | UNKNOWN FRIENDSWOOD, TX 77062 | BLUE CROSS BLUE SHIELD OF NEW MEXICO | $1K | $0 | $1K | 2.07% |
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 | 372 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 559 | $2.5M |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $593K |
| Vision(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $593K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $593K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $593K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $593K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 559 | $2.3M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $726K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.