| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $61K | $61K | 1.83% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY., SE SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY., SE SUITE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | — | $25K | 2.98% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 2.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY., SE SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF OHIO | $8K | $0 | $8K | 2.71% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | DELTA DENTAL OF OHIO | $143 | $0 | $143 | 0.05% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD. SUITE 300 CLEVELAND, OH 44131 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 5.22% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD. SUITE 300 CLEVELAND, OH 441312530 | HARTFORD LIFE AND ACCIDENT | $0 | $12K | $12K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY., SE SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 41.31% |
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 | 334 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 262 | $4.2M |
| Dental | DELTA DENTAL OF OHIO | 272 | $305K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 334 | $244K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 334 | $244K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 334 | $244K |
| Other | HARTFORD LIFE AND ACCIDENT | 334 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.