| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | HEALTH CARE SERVICE CORPORATION | $92K | $6K | $99K | 3.29% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | DEARBORN LIFE INSURANCE COMPANY | $13K | $5K | $19K | 10.62% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.63% |
| EMPLOYEE BENEFITS BY DESIGN, INC.3 | 3 S 701 WEST AVE, STE 300 WARRENVILLE, IL 60555 | TRANSAMERICA LIFE INSURANCE COMPANY | $426 | — | $426 | 2.29% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | LEGAL ACCESS PLANS, LLC | — | $893 | $893 | 30.02% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 382 | $3.0M |
| Dental | HEALTH CARE SERVICE CORPORATION | 382 | $3.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 251 | $175K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 251 | $175K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 251 | $175K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 251 | $175K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 382 | $3.0M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 251 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.