| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $5K | $15K | 11.83% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | — | $11K | $11K | 9.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE PT PKWY STE 400 ATLANTA, GA 30342 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $1K | $6K | 4.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 14.79% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 8.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE PT PKWY STE 400 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $790 | $4K | 5.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 13.86% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH INC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 8.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE PT PKWY STE 400 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $635 | $3K | 5.65% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 125 | $127K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 125 | $127K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $61K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 78 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 78 | $80K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.