| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | GUARDIAN | $35K | $14K | $49K | 17.38% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $14K | — | $14K | 5.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 820 N. ORLEANS #325 CHICAGO, IL 60610 | GUARDIAN | $9K | — | $9K | 3.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 14.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $365K |
| DIGITAL INSURANCE, INC. EIN 58-2522668 BROKER | Other commissions Service code 55 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | $102K |
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 | 495 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 424 | $284K |
| Vision | GUARDIAN | 424 | $284K |
| Life insurance | FARM BUREAU LIFE INSURANCE COMPANY OF MISSOURI | 523 | $466K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 495 | $241K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE-STEALTH PARTNER GROUP | 445 | $628K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 424 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.