| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $8K | $54K | 13.74% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP | 325 N KIRKWOOD ROAD, STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $5K | $25K | 6.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 18.14% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $729 | $729 | 1.41% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | METROPOLITAN LIFE INSURANCE COMPANY | $131 | $0 | $131 | 0.25% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IL 605172350 | METROPOLITAN LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $608 | $5K | 22.19% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $354 | $2K | 7.21% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC CBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | METROPOLITAN LIFE INSURANCE COMPANY | $256 | $0 | $256 | 1.05% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IL 605172350 | METROPOLITAN LIFE INSURANCE COMPANY | $83 | $0 | $83 | 0.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 ADMIN | Insurance agents and brokers Service code 22 | — | $180K |
| ONEDIGITAL (CLJM, LLC. DBA HM BENEF EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $133K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $61K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $20K |
| ONEDIGITAL (KOP) EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | -$32K |
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 | 359 | 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) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 866 | $397K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 866 | $397K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 866 | $397K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 866 | $397K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 866 | $397K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 351 | $516K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,013 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,013 | — |
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.