| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 18.49% |
| DIGITAL INSURANCE LLC3 | 200 GALERIA PARKWAY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 11.69% |
| DIGITAL INSURANCE LLC3 | 200 GALERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.86% |
| DIGITAL INSURANCE LLC3 | 200 GALERIA PARKWAY STE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $872 | — | $872 | 8.63% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH RD SUITE 1200 SAINT LOUIS, MO 63105 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $154 | — | $154 | 1.52% |
| DIGITAL INSURANCE LLC3 | 200 GALERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 17.22% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 199 | $61K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 119 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 110 | $63K |
| Short-term disability | STANDARD INSURANCE COMPANY | 110 | $63K |
| Long-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 110 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.