| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $19K | $83K | 2.55% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PARKWAY, SUITE 650 DOWNERS GROVE, IL 60515 | HARTFORD LIFE AND ACCIDENT | $68K | — | $68K | 2.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $33K | — | $33K | 1.14% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES - BOR | 3025 HIGHLAND PARKWAY, SUITE 650 DOWNERS GROVE, IL 60515 | COMBINED INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.91% |
| ENROLLEASE3 Filed as: ONE DIGITAL - DOWNERS GROVE, IL | 200 GALLERIA PARKWAY, STE. 1950 ATLANTA, GA 30339 | COMBINED INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.15% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VERITAS RISK SERVICES-BOR USE 20237 | 3025 HIGHLAND PARKWAY, SUITE 650 DOWNERS GROVE, IL 60515 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.66% |
| ENROLLEASE3 Filed as: ONE DIGITAL - DOWNERS GROVE, IL | 200 GALLERIA PARKWAY, STE. 1950 ATLANTA, GA 30339 | COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.14% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES - BOR | 3025 HIGHLAND PARKWAY SUITE 650 DOWNERS GROVE, IL 60515 | COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.02% |
| ENROLLEASE3 Filed as: ONE DIGITAL - DOWNERS GROVE, IL | 200 GALLERIA PARKWAY, STE. 1950 ATLANTA, GA 30339 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.16% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VERITAS RISK SERVICES-BOR USE 20237 | 3025 HIGHLAND PARKWAY SUITE 650 DOWNERS GROVE, IL 60515 | COMBINED INSURANCE COMPANY OF AMERICA | $971 | — | $971 | 0.68% |
| ENROLLEASE3 Filed as: ONE DIGITAL - DOWNERS GROVE, IL | 200 GALLERIA PARKWAY, STE. 1950 ATLANTA, GA 30339 | COMBINED INSURANCE COMPANY OF AMERICA | $414 | — | $414 | 1.15% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 17.80% |
| ENROLLEASE3 Filed as: ONE DIGITAL - DOWNERS GROVE, IL | 200 GALLERIA PARKWAY, STE. 1950 ATLANTA, GA 30339 | COMBINED INSURANCE COMPANY OF AMERICA | $131 | — | $131 | 1.34% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES - BOR | 3025 HIGHLAND PARKWAY, SUITE 650 DOWNERS GROVE, IL 60515 | COMBINED INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 3.32% |
| ENROLLEASE3 Filed as: ONE DIGITAL - DOWNERS GROVE, IL | 200 GALLERIA PARKWAY, STE. 1950 ATLANTA, GA 30339 | COMBINED INSURANCE COMPANY OF AMERICA | $16 | — | $16 | 1.24% |
| ENROLLEASE3 Filed as: ONE DIGITAL - DOWNERS GROVE, IL | 200 GALLERIA PARKWAY, STE. 1950 ATLANTA, GA 30339 | COMBINED INSURANCE COMPANY OF AMERICA | $16 | — | $16 | 1.24% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES - BOR | 3025 HIGHLAND PARKWAY, SUITE 650 DOWNERS GROVE, IL 60515 | COMBINED INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 2.98% |
| ENROLLEASE3 Filed as: ONE DIGITAL - DOWNERS GROVE, IL | 200 GALLERIA PARKWAY, STE. 1950 ATLANTA, GA 30339 | COMBINED INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 1.39% |
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 | 7,449 | 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) | 7,449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 2 carriers) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 2,200 | $2.0M |
| Vision(8 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 4,411 | $834K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,449 | $3.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,231 | $2.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,449 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,449 | — |
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.