| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL | — | NATIONWIDE | $35K | — | $35K | 20.62% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $12 | $21K | 12.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.81% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 SOUTH BEMISTON AVENUE SUITE 900 CLAYTON, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 20.70% |
| ENROLLEASE3 Filed as: ONE DIGITAL - ATLANTA, GA | ATTN ACCOUNT MANAGEMENT ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.86% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 SOUTH BEMISTON AVENUE SUITE 900 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 18.48% |
| ENROLLEASE3 Filed as: ONE DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $646 | — | $646 | 17.84% |
| DANIEL ANDREWS3 | PO BOX 7273 COLUMBIA, SC 29202 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $42 | — | $42 | 1.16% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 588 | $170K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 295 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 588 | $170K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 588 | $189K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 588 | $170K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 194 | $171K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 588 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.