| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE INSURANCE BENEFITS, INC. | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | NATIONWIDE | — | $22K | $22K | 29.33% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 200 ATLANTA, GA 30339 | NATIONWIDE | $4K | $10K | $13K | 17.43% |
| CLJM LLC Filed as: CLJM, LLC | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NATIONWIDE | $2K | $5K | $8K | 9.94% |
| FIRST HEALTH | 3200 HIGHLAND AVE. DOWNERS GROVE, IL 60515 | NATIONWIDE | — | $4K | $4K | 4.68% |
| ENROLLEASE Filed as: DIGITALINSURANCE LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN INSURANCE CO. | $6K | $3K | $9K | 13.14% |
| CENTRO BENEFITS RESEARCH LLC | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN INSURANCE CO. | $3K | — | $3K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIGITAL INSURANCE, LLC EIN 58-2522668 NONE | Insurance agents and brokers Service code 22 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $22K |
| FRINGE INSURANCE BENEFITS EIN 74-2616364 NONE | Claims processing Service code 12 | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | $22K |
| CLJM, LLC EIN 35-2232153 NONE | Insurance agents and brokers Service code 22 | 8235 FORSYTH BLVD SUIOTE 1200 CLAYTON, MO 63105 | $8K |
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 | 79 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE | 98 | $76K |
| Dental | GUARDIAN INSURANCE CO. | 102 | $69K |
| Vision | GUARDIAN INSURANCE CO. | 102 | $69K |
| Life insurance | GUARDIAN INSURANCE CO. | 102 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.