| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY - STE 1950 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 18.23% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH ST BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $229 | — | $229 | 2.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY - STE 1950 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 16.42% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH ST BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $205 | — | $205 | 3.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY - STE 1950 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 18.91% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH ST BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $97 | — | $97 | 1.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 BROKER | Insurance agents and brokers Service code 22 | 24651 CENTER RIDGE ROAD WESTLAKE, OH 44145 | $152K |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | TRUSTMARK INSURANCE COMPANY | 40 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40 | — |
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.
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.