| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $38K | — | $38K | 2.34% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF ILLINOIS LLC | 1 S. WACKER DR, SUITE 3350 CHICAGO, IL 60606 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $12K | — | $12K | 0.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 303395946 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $24K | $30K | 2.87% |
| HAYS COMPANIES, INC. Filed as: HAYS COMPANIES | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | $715 | — | $715 | 0.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 301 E PINE ST, STE 650 ORLANDO, FL 32801 | TRANSAMERICA | $6K | — | $6K | 29.12% |
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 | 310 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 479 | $2.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 479 | $1.0M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 479 | $1.0M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 166 | $115K |
| Short-term disability | TRANSAMERICA | 123 | $22K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 166 | $115K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 166 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.