| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | EXCELLUS BLUE CROSS BLUE SHIELD | $45K | — | $45K | 4.19% |
| DIGITAL INSURANCE LLC3 | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | — | $6K | 8.44% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $4K | — | $4K | 10.82% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 4.18% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | — | $3K | 10.33% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 4.67% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 10.52% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $966 | — | $966 | 4.48% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 10.51% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $858 | — | $858 | 4.49% |
| DIGITAL INSURANCE LLC3 | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | EYEMED VISION CARE | $1K | — | $1K | 9.97% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $472 | — | $472 | 10.64% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $193 | — | $193 | 4.35% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $504 | $504 | — |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $108 | $108 | — |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $574 | $574 | — |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $770 | $770 | — |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $917 | $917 | — |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 84 | $1.1M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 81 | $67K |
| Vision | EYEMED VISION CARE | 172 | $12K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 187 | $35K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 114 | $22K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 84 | $1.1M |
| Other(6 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 161 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.