| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO | $33K | $4K | $37K | 4.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEAN AGENCY LLC | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO | $3K | — | $3K | 0.39% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY | $6K | $3K | $8K | 13.77% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.83% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLEAN AGENCY LLC | 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.92% |
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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 212 | $803K |
| Dental | AETNA LIFE INSURANCE CO | 212 | $803K |
| Vision | AETNA LIFE INSURANCE CO | 212 | $803K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 84 | $59K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 84 | $59K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 84 | $59K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 84 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.