| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASHLEY A D'SOUZA3 Filed as: ASHLEY ANDREW D SOUZA | 888 W. BIG BEAVER RD. STE 305 TROY, MI 480844739 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 3.21% |
| ASHLEY A D'SOUZA3 Filed as: ASHLEY D SOUZA | ACSON INSURANCE SERVICES INC. TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 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 | $7K | — | $7K | 12.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PKWY SE, STE 300 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $771 | $771 | 1.45% |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 249 | $948K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $53K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $53K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
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.