| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $4K | $17K | 19.26% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.32% |
| DSG BENEFITS GROUP LLC3 | 12221 MERIT DRIVE SUITE 1015 DALLAS, TX 75251 | TRANSAMERICA LIFE INSURANCE COMPANY | $156 | — | $156 | 0.59% |
| JAMES T KINNEY3 Filed as: JAMES T. KINNEY | 1429 WARWICK AVENUE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICA'S TPA, INC DBA HEATHEZ EIN 85-1296607 TPA | Claims processing Service code 12 | 7201 W 78TH STREET, SUITE 100 BLOOMNINGTON, MN 55439 | $76K |
| DIGITAL INSURANCE INC. EIN 58-2522668 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | $24K |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 316 | $90K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 316 | $90K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 316 | $90K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 110 | $26K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 316 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.