| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLEIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $57K | — | $57K | 2.55% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILLAGE DRIVE SUITE 295 DAYTON, OH 45459 | AETNA LIFE INSURANCE COMPANY | $43K | — | $43K | 1.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF OHIO | $5K | — | $5K | 4.27% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILLAGE DRIVE SUITE 295 DAYTON, OH 45459 | DELTA DENTAL OF OHIO | $4K | — | $4K | 3.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 9.13% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILLAGE DRIVE SUITE 295 DAYTON, OH 45459 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.01% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILAGE DRIVE SUITE 295 DAYTON, OH 45459 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.49% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.61% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILLAGE DRIVE SUITE 295 DAYTON, OH 45459 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.21% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILLAGE DRIVE SUITE 295 DAYTON, OH 45459 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.10% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 Filed as: OPTIMAL BENEFITS & INSURANCE SERVIC | 7755 IRVINE CENTER DRIVE, SUITE 500 IRVINE, CA 926182908 | VISION SERVICE PLAN | $701 | — | $701 | 4.00% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILLAGE DRIVE SUITE 295 DAYTON, OH 454593956 | VISION SERVICE PLAN | $299 | — | $299 | 1.70% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $51 | — | $51 | 0.29% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 409 | $2.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 363 | $151K |
| Vision | VISION SERVICE PLAN | 171 | $18K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 248 | $126K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 248 | $104K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 248 | $104K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 409 | $2.2M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 248 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.