| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE CO | $27K | $84K | $110K | 4.78% |
| DIGITAL INSURANCE LLC3 | 400 GALLERIA PKWAY STE 300 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE CO | $14K | $0 | $14K | 6.32% |
| CLJM LLC3 Filed as: CLJM | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNITED HEALTHCARE INSURANCE CO | $10K | $0 | $10K | 4.53% |
| C L J M LLC3 | 8235 FORSYTH BLVD ST LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BLVD STE 1200 ST LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BLVD STE 1200 ST LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.69% |
| C L J M LLC3 | 8235 FORSYTH BLVD ST LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BLVD STE 1200 ST LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.34% |
| C L J M LLC3 | 8235 FORSYTH BLVD ST LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.65% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | LEADERS LIFE INSURANCE CO | $797 | $0 | $797 | 8.15% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY | PO BOX 161690 AUSTIN, TX 78716 | LEADERS LIFE INSURANCE CO | $167 | $0 | $167 | 1.71% |
| KAREN L BURGESS3 Filed as: KAREN BURGESS | 1968 EASTERN VALLEY RD BESSEMER, AL 35022 | LEADERS LIFE INSURANCE CO | $109 | $0 | $109 | 1.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BLVD STE 1200 ST LOUIS, MO 63105 | LEADERS LIFE INSURANCE CO | $386 | $0 | $386 | 7.96% |
| C L J M LLC0 | 8235 FORSYTH BLVD ST LOUIS, MO 34208 | LEADERS LIFE INSURANCE CO | $342 | $0 | $342 | 7.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BAY BRIDGE ADMINISTRATORS ADMIN | Claims processing Service code 12 | PO BOX 161690 AUSTIN, TX 78716 | $26K |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE CO | 949 | $2.3M |
| Vision | UNITED HEALTHCARE INSURANCE CO | 949 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 372 | $222K |
| Short-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 372 | $227K |
| Long-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 372 | $227K |
| Other(4 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 372 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 949 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.