| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PKWY SE STE 1100 ATLANTA, GA 303393153 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $21K | $27K | 1.57% |
| MICHAEL F SHANAHAN3 Filed as: MICHAEL FRANCIS SHANAHAN | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $9K | $13K | 0.77% |
| IMA, INC.3 Filed as: IMA INC - WICHITA | 430 E DOUGLAS AVE STE 400 WICHITA, KS 672023409 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $6K | $9K | 0.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $2K | $15K | 12.58% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 3.67% |
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND ST N WICHITA, KS 67226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.56% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEIGH MCGHEE | — | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.95% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 25.03% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 403 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 403 | $1.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 269 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 98 | $121K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 98 | $121K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 98 | $121K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 403 | $1.7M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.