| 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 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $9K | — | $9K | 2.01% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 SOUTH BEMISTON SUITE 900 SAINT LOUIS, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | -$124 | — | -$124 | -0.03% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM COMFORT & TABA | 230 SOUTH BEMISTON AVENUE FLOOR 900 CLAYTON, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 6.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $477 | $7K | 3.97% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM COMFORT & TABASH | 230 SOUTH BEMISTON AVENUE SUITE 900 CLAYTON, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.21% |
| MRCT BENEFITS PLUS3 | 230 SOUTH BEMISTON SUITE 900 ST LOUIS, MO 63105 | EYEMED | $1K | — | $1K | 8.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYEMED | $104 | — | $104 | 0.85% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM COMFORT & TABASH | 230 SOUTH BEMISTON AVENUE SUITE 900 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $858 | — | $858 | 10.00% |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 199 | $457K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $186K |
| Vision | EYEMED | 268 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $186K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $206K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $186K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.