| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | PARAMOUNT DENTAL | $628 | — | $628 | 3.78% |
| INTEGRATED BENEFIT PARTNERS, LLC3 | 600 EAST HILLSIDE DRIVE SUITE 3 BLOOMINGTON, IN 47401 | PARAMOUNT DENTAL | $120 | — | $120 | 0.72% |
| INTEGRATED BENEFIT PARTNERS, LLC3 Filed as: INTEGRATED BENEFIT PARTNERS | 600 E. HILLSIDE DRIVE SUITE 3 BLOOMINGTON, IN 47401 | AMERITAS LIFE INSURANCE CORP. | $423 | — | $423 | 10.00% |
| MEDICAL BENEFITS ADMINISTRATORS5 Filed as: MEDICAL BENEFITS ADMINISTRATORS, IN | 1975 TAMARACK RD NEWARK, OH 43055 | EAST COAST UNDERWRITERS, LLC | $48 | — | $48 | 4.97% |
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 | 30 | 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) | 30 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 52 | $17K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 52 | $4K |
| Life insurance | MEDICAL BENEFITS MUTUAL LIFE INSURANCE CO. | 27 | $4K |
| Stop-loss / reinsurancereinsurance | EAST COAST UNDERWRITERS, LLC | 27 | $966 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52 | — |
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.