| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $151K | $53K | $204K | 5.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTH GROUP EIN 41-1321939 NONE | Claims processing Service code 12 | — | $468K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing Service code 12 | — | $106K |
| NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Custodial (securities); Investment management Service code 19 | — | $70K |
| ROBERT W. BAIRD & CO EIN 39-6037917 ADVISOR | Investment advisory (plan); Named fiduciary; Consulting fees; Other services Service code 27 | — | $68K |
| MONARCH PARTNERS ASSET MANAGEMENT L EIN 27-1468040 NONE | Investment management Service code 28 | — | $57K |
| WILLIS TOWERS WATSON EIN 23-1159360 NONE | Other services; Consulting (general); Actuarial Service code 11 | — | $29K |
| WCM INVESTMENT MANAGEMENT EIN 95-3046237 NONE | Investment management Service code 28 | — | $27K |
| NUVEEN ASSET MANAGEMENT EIN 27-4357327 NONE | Investment management Service code 28 | — | $11K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,982 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 3,211 | $2.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,982 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,982 | — |
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.