| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY ST. SUITE 1950 ATLANTA, GA 303395946 | HEALTHPARTNERS | — | $60K | $60K | 1.25% |
| DYSTE AGENCY INC3 Filed as: DYSTE WILLIAMS/PATRICIA BRUCE | 6465 WAYZATA BLVD MINNEAPOLIS, MN 55426 | HEALTHPARTNERS | — | $18K | $18K | 0.37% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY ST. SUITE 1950 ATLANTA, GA 303395946 | RELIASTAR LIFE INSURANCE COMPANY | $28K | — | $28K | 11.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.46% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ST. SUITE 1950 ATLANTA, GA 303395946 | AMERITAS LIFE INSURANCE COMPANY | $1K | $1K | $3K | 13.00% |
| DYSTE AGENCY INC3 Filed as: DYSTE WILLIAMS | 6465 WAYZATA BLVD MINNEAPOLIS, MN 55426 | AMERITAS LIFE INSURANCE COMPANY | $58 | — | $58 | 0.29% |
| PATRICIA BRUCE3 | 6465 WAYZATA BLVD MINNEAPOLIS, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.76% |
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 | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 737 | $4.8M |
| Dental | HEALTHPARTNERS | 737 | $4.8M |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 382 | $20K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 504 | $241K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 504 | $241K |
| Prescription drug | HEALTHPARTNERS | 737 | $4.8M |
| Other(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 504 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.