| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $62K | $300 | $62K | 5.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 1100 300 GALLERIA PKWY ATLANTA, GA 30339 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $12K | $6K | $18K | 14.87% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $10K | $10K | 8.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 1100 300 GALLERIA PKWY ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $1K | $9K | 17.20% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 1100 300 GALLERIA PKWY ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $598 | $119 | $717 | 27.05% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $221 | $221 | 8.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 NONE | Contract Administrator Service code 13 | — | $4K |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 174 | $1.1M |
| Dental | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 131 | $122K |
| Vision | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 131 | $122K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 145 | $55K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 145 | $52K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 145 | $52K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 145 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.