| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE #300 ATLANTA, GA 303395946 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.26% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE #300 ATLANTA, GA 30339 | THE GUARDIA LIFE INSURANCE COMPANY OF AMERICA | $40K | $23K | $63K | 19.16% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIA LIFE INSURANCE COMPANY OF AMERICA | -$6K | $0 | -$6K | -1.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN SPECIALTY HEALTH(ASH) EIN 33-0571188 VENDOR | Other services; Contract Administrator; Non-monetary compensation; Direct payment from the plan; Claims processing; Participant communication; Float revenue; Named fiduciary Service code 12 | — | $0 |
| AMPLIFON HEARING HEALTHCARE EIN 85-0437037 VENDOR | Participant communication; Contract Administrator; Claims processing; Named fiduciary; Other services; Non-monetary compensation; Direct payment from the plan; Float revenue Service code 12 | — | $0 |
| FIT FOR LIFE EIN 38-3983812 VENDOR | Other services; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $0 |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $366K |
| Dental | THE GUARDIA LIFE INSURANCE COMPANY OF AMERICA | 149 | $330K |
| Vision | THE GUARDIA LIFE INSURANCE COMPANY OF AMERICA | 149 | $330K |
| Life insurance | THE GUARDIA LIFE INSURANCE COMPANY OF AMERICA | 149 | $330K |
| Short-term disability | THE GUARDIA LIFE INSURANCE COMPANY OF AMERICA | 149 | $330K |
| Long-term disability | THE GUARDIA LIFE INSURANCE COMPANY OF AMERICA | 149 | $330K |
| Other | THE GUARDIA LIFE INSURANCE COMPANY OF AMERICA | 149 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.