Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Digital Insurance Inc. Health | Health | Pro |
Broker: Digital Insurance LLC STDLifeOtherLTD | STDLifeOtherLTD | Pro |
Broker: Digital Insurance LLC Dental | Dental | Pro |
Broker: Digital Insurance LLC Vision | Vision | Pro |
See premium, retention and renewal dates for 8 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Cigna Health and Life Insurance Company | Pro |
Carrier: Delta Dental of Missori | Pro |
Carrier: Delta Dental of Missori | Pro |
Carrier: Reliance Standard Life Insurance Company | Pro |
Carrier: Reliance Standard Life Insurance Company | Pro |
Carrier: Advantica Insurance Company | Pro |
Carrier: Advantica Insurance Company | Pro |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSING | Float revenue; Direct payment from the plan; Non-monetary compensation; Other services; Contract Administrator; Participant communication; Named fiduciary; Claims processing Service code 12 | — | $2K |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 82 | $169K |
| Dental | DELTA DENTAL OF MISSORI | 172 | $46K |
| Vision | ADVANTICA INSURANCE COMPANY | 164 | $9K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $19K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $23K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $11K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.