| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $5K | $43K | 11.68% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | HCC LIFE INSURANCE COMPANY | $33K | — | $33K | 9.80% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 6.28% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 6.54% |
| CLJM LLC DBA HM BENEFITS3 | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.46% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | DELTA DENTAL OF ILLINOIS | $9K | — | $9K | 16.81% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF ILLINOIS | $9K | — | $9K | 16.64% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.18% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY RD PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $318 | — | $318 | 0.94% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| RICHMOND AGENCY INC3 Filed as: RICHMOND, BRIAN C, RICHMOND AGENCY | PO BOX 907 JACKSON, MI 49204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $685 | $4K | 17.74% |
| HM BENEFITS LLC3 Filed as: HM BENEFITS | 8235 FORSYTH BLVD, SUITE 1200 CLAYTON, MO 63105 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $330 | — | $330 | 14.99% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | — | $330 | $330 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $107K |
| HH HEALTH ASSOCIATES INSURANCE SERVICES | Insurance services Service code 23 | 3660 S GEYER RD, #100 ST. LOUIS, MO 63127 | $20K |
| DIGITAL INSURANCE INC EIN 58-2522668 BROKER | Other commissions Service code 55 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | $9K |
| ALTERNATIVE RISK EIN 20-5152175 INSURANCE SERVICES | Insurance services Service code 23 | — | $0 |
| CLJM LLC DBA HUNTLEIGH MCGEHEE BROKER | Contract Administrator Service code 13 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MA 63105 | $0 |
| MEDICAL COST MANAGEMENT UTILIZATION REVIEW VENDO | Contract Administrator Service code 13 | 200 WEST MONROE STREET, SUITE #1850 CHICAGO, IL 60606 | $0 |
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 | 847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 710 | $53K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,293 | $80K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 851 | $580K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 851 | $371K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 851 | $396K |
| Prescription drug(7 contracts) | CVS PHARMACY, INC. | 863 | $2.6M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 859 | $851K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,293 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.