| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $29K | $29K | 2.49% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 S BEMISTON AVE SUITE 900 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.45% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | $11K | $5K | $16K | 10.95% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM | 230 S SEMISTON SUITE 900 CLAYTON, MO 63105 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 3.52% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 11.75% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $1.2M |
| Dental(2 contracts) | UNION SECURITY INSURANCE COMPANY | 245 | $198K |
| Vision(2 contracts) | UNION SECURITY INSURANCE COMPANY | 245 | $198K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 245 | $198K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 245 | $198K |
| Long-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 245 | $198K |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY | 245 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.