| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 2500 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $87K | $19K | $106K | 12.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 N. CLARK STREET CHICAGO, IL 60654 | GUARDIAN | $52K | $10K | $62K | 17.31% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | GUARDIAN | $7K | — | $7K | 2.02% |
| ADMINWON LLC3 Filed as: ADMINWON, LLC | 12285 BROADWELL ROAD ALPHARETTA, GA 30004 | GUARDIAN | $1K | — | $1K | 0.32% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 2500 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | $17K | $58K | 18.45% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.50% |
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 | 402 | 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) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 374 | $823K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 347 | $312K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 347 | $312K |
| Life insurance | GUARDIAN | 402 | $359K |
| Short-term disability | GUARDIAN | 402 | $359K |
| Long-term disability | GUARDIAN | 402 | $359K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 374 | $823K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 402 | $671K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.