| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | ANTHEM LIFE AND HEALTH INSURANCE COMPANY | $7K | $2K | $9K | 11.68% |
| CLJM LLC3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | ANTHEM LIFE AND HEALTH INSURANCE COMPANY | $4K | $0 | $4K | 5.38% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.51% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.70% |
| ENROLLEASE3 Filed as: ONE DIGIAL | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | EYEMED | $1K | $0 | $1K | 10.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIGITAL INSURANCE BROKER | Insurance agents and brokers Service code 22 | 6600 AMERICAN AVE STE 101 KING OF PRUSSIA, PA 19406 | $31K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $20K |
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $13K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $7K |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $44K |
| Vision | EYEMED | 166 | $10K |
| Life insurance | ANTHEM LIFE AND HEALTH INSURANCE COMPANY | 142 | $77K |
| Short-term disability | ANTHEM LIFE AND HEALTH INSURANCE COMPANY | 142 | $77K |
| Long-term disability | ANTHEM LIFE AND HEALTH INSURANCE COMPANY | 142 | $77K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 114 | $251K |
| Other | ANTHEM LIFE AND HEALTH INSURANCE COMPANY | 142 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.