| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARWAY, SUITE 1950 ATLANTA, GA 30339 | SUMMACARE | $52K | $0 | $52K | 3.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | SUMMACARE | $26K | $0 | $26K | 1.67% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $12K | $0 | $12K | 5.82% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARWAY ATLANTA, GA 30339 | STANDARD LIFE AND ACCIDENT | $12K | $0 | $12K | 5.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | STANDARD LIFE AND ACCIDENT | $7K | $0 | $7K | 3.43% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $5K | $13K | 7.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.37% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.10% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUMMACARE | 511 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 516 | $157K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 516 | $157K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 516 | $157K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 516 | $157K |
| Prescription drug | SUMMACARE | 511 | $1.6M |
| Other(2 contracts, 2 carriers) | STANDARD LIFE AND ACCIDENT | 516 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.