| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF ILLINOIS | $51K | — | $51K | 3.89% |
| LINDEN GROUP HEALTH SERVICES INC.3 | 2800 S RIVER ROAD SUITE 310 DES PLAINES, IL 60018 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $4K | $4K | 0.29% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FOUR EVER LIFE INS CO. | $10K | — | $10K | 8.00% |
| HEALTH CARE SERVICES CORPORATION3 Filed as: HEALTH CARE SERVICE CORPORATION | 300 E RANDOLPH ST CHICAGO, IL 60601 | FOUR EVER LIFE INS CO. | — | $5K | $5K | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 25.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 2800 S RIVER ROAD SUITE 310 DES PLAINES, IL 60018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $12K | 14.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 400 GALLERIA CTR OFC SUITE 300 SOUTHFIELD, MI 48034 | VISION SERVICE PLAN | $837 | $0 | $837 | 6.72% |
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 | 358 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 330 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $82K |
| Vision | VISION SERVICE PLAN | 164 | $12K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $82K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $82K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.