| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CARAVUS, LLC | 101 S. HANLEY ROAD SUITE 300 CLAYTON, MO 63105 | RELIANCE MATRIX | $12K | $0 | $12K | 8.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 300 GALLERIA PKWY SUITE 1100 ATLANTA, GA 30339 | RELIANCE MATRIX | $1K | $0 | $1K | 0.78% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE MATRIX | $636 | $0 | $636 | 0.44% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 101 S. HANLEY ROAD SUITE 300 CLAYTON, MO 63105 | RELIANCE MATRIX | $8K | $0 | $8K | 8.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 300 GALLERIA PKWY, SUITE 1100 ATLANTA, GA 30339 | RELIANCE MATRIX | $760 | $0 | $760 | 0.82% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE MATRIX | $422 | $0 | $422 | 0.45% |
| MGIS3 | 95 S STATE STREET SUITE 650 SALT LAKE CITY, UT 841112176 | RELIANCE MATRIX | $0 | $165 | $165 | 0.18% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 101 S. HANLEY ROAD SUITE 300 CLAYTON, MO 63105 | RELIANCE MATRIX | $7K | $0 | $7K | 8.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 300 GALLERIA PKWY SUITE 1100 ATLANTA, GA 30339 | RELIANCE MATRIX | $732 | $0 | $732 | 0.82% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE MATRIX | $407 | $0 | $407 | 0.46% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 N. MERAMEC AVE., SUITE 300 ST. LOUIS, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 12.61% |
| ENROLLEASE3 Filed as: ONEDIGITAL HEALTH AND BENEFITS | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 2.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $223K |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $88K |
| Life insurance | RELIANCE MATRIX | 346 | $93K |
| Short-term disability | RELIANCE MATRIX | 135 | $89K |
| Long-term disability | RELIANCE MATRIX | 320 | $146K |
| Other(2 contracts, 2 carriers) | RELIANCE MATRIX | 346 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.