| 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 | DELTA DENTAL OF MINNESOTA | $2K | — | $2K | 7.72% |
| THE HORTON GROUP3 | 5050 LINCOLN DRIVE EDINA, MN 55436 | DELTA DENTAL OF MINNESOTA | $707 | — | $707 | 2.74% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $429 | $2K | 10.82% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| DIGITAL INSURANCE LLC3 | 2860 VICKSBURG LANE NORTH PLYMOUTH, MN 55447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 8.69% |
| THE HORTON GROUP3 | 5050 LINCOLN DRIVE, STE. 450 EDINA, MN 55436 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 6.32% |
| BENETEK CORPORATION3 | 4725 SAND LAKE ROAD STE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $368 | $368 | 2.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MINNESOTA | $1K | — | $1K | 10.95% |
| THE HORTON GROUP3 | 5050 LINCOLN DRIVE EDINA, MN 55436 | DELTA DENTAL OF MINNESOTA | $273 | — | $273 | 2.53% |
| DIGITAL INSURANCE LLC3 | 2860 VICKSBURG LANE NORTH PLYMOUTH, MN 55447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $856 | — | $856 | 8.63% |
| THE HORTON GROUP3 | 5050 LINCOLN DRIVE, STE. 450 EDINA, MN 55436 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $632 | — | $632 | 6.37% |
| BENETEK CORPORATION3 | 4725 SAND LAKE ROAD STE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $228 | $228 | 2.30% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $459 | — | $459 | 5.00% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $183 | $183 | 1.99% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $350 | — | $350 | 5.00% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $140 | $140 | 2.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 2860 VICKSBURG LANE NORTH PLYMOUTH, MN 55447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $485 | — | $485 | 8.87% |
| THE HORTON GROUP3 | 5050 LINCOLN DRIVE, STE. 450 EDINA, MN 55436 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $335 | — | $335 | 6.13% |
| BENETEK CORPORATION3 | 4725 SAND LAKE ROAD STE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $129 | $129 | 2.36% |
| ENROLLEASE3 Filed as: ONE DIGITAL - ATLANTA GA | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $323 | — | $323 | 7.01% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $552 | $47 | $599 | 25.53% |
| MARK A GROVE3 | 25900 AUTUMN WAY ROGERS, MA 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $117 | — | $117 | 4.99% |
| BENETEK CORPORATION3 | 4725 SAND LAKE ROAD STE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6 | $6 | 2.37% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF MINNESOTA | 97 | $58K |
| Vision(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 97 | $26K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $15K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 59 | $25K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $17K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.