| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | WARRENVILLE IL 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2K | $5K | $3K | 0.13% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21 | $21 | 0.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.09% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.43% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.36% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.37% |
| DIGITAL INSURANCE LLC3 | 200 GALLERICA PKWY SE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.50% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $789 | $789 | 5.70% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $114 | — | $114 | — |
| MONICA B SMITH3 | 8760 WINDWOOD CLOSE ROCKFORD, IL 61108 | AFLAC | $78 | — | $78 | — |
| RUSSELL NOWAK3 | 8009 VALLEY DR PALOS HILLS, IL 60465 | AFLAC | $50 | — | $50 | — |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $45 | — | $45 | — |
| DEBORAH L CAIN3 | 8617 GLENMORE DR LAS VEGAS, NV 89134 | AFLAC | $42 | — | $42 | — |
| ACRISURE LLC3 | PO BOX 561567 MIAMI, FL 33256 | AFLAC | $39 | — | $39 | — |
| MICHAEL ROBERT YURCZYK3 | 9616 WYOMING TER S BLOOMINGTON, MN 55438 | AFLAC | $33 | — | $33 | — |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSRUANCE SERVICES INC | 321 N CLARK ST CHICAGO, IL 60654 | AFLAC | $33 | — | $33 | — |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $16 | — | $16 | — |
| WAYNE R BALL3 | 1450 LENHART RD SPRINGFIELD, IL 62711 | AFLAC | $11 | — | $11 | — |
| ARMANDO J CARDENAS3 | 4320 CRAWFORD DR APT 1 ROCKFORD, IL 61114 | AFLAC | $9 | — | $9 | — |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $7 | — | $7 | — |
| ROLANDO DARIO RICCIO3 | 550 SE MIZNER BLVD APT 709B BOCA RATON, FL 33432 | AFLAC | $6 | — | $6 | — |
| GREGORY J SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $5 | — | $5 | — |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $5 | — | $5 | — |
| JV FLORIDA INSURANCE CORP3 | 2821 N OCEAN BLVD APT 305 FT LAUDERDALE, FL 33308 | AFLAC | $4 | — | $4 | — |
| KATTY W COHEN3 | 21711 N OCEAN BLVD APT 305 BOCA RATON, FL 33433 | AFLAC | $3 | — | $3 | — |
| ANTHONY ROJAS3 | 3211 NW 123RD TER FORT LAUDERDALE, FL 33323 | AFLAC | $2 | — | $2 | — |
| RUSSELL SHAYNE FOX3 | 9205 COVE POINT CIR BOYNTON BEACH, FL 33472 | AFLAC | $2 | — | $2 | — |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $309 | $309 | — |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $452 | $452 | — |
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 | 605 | 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) | 605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 605 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $132K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 605 | $2.5M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 296 | $52K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $54K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $36K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 296 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.