| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $33K | — | $33K | 3.11% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM COMFORT & TABASH | 230 S BEMISTON SUITE 900 SAINT LOUIS, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $11K | — | $11K | 1.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $1K | — | $1K | 8.74% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE COMPANY | $691 | — | $691 | 9.94% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM COMFORT & TABASH | 230 S BEMISTON SUITE 900 SAINT LOUIS, MO 63105 | ANTHEM LIFE INSURANCE COMPANY | $296 | — | $296 | 4.26% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 252 | $1.1M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 252 | $1.1M |
| Vision | EYEMED VISION CARE | 226 | $16K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 266 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.