| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 400 GALLERIA PKWAY STE 300 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE CO | $25K | $0 | $25K | 10.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE CO | $26K | $8K | $34K | 15.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BLVD STE 1200 ST LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 20.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BLVD STE 1200 ST LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | LEADERS LIFE INSURANCE CO | $617 | $0 | $617 | 7.43% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY | PO BOX 161690 AUSTIN, TX 78716 | LEADERS LIFE INSURANCE CO | $126 | $0 | $126 | 1.52% |
| KAREN L BURGESS3 Filed as: KAREN BURGESS | 1968 EASTERN VALLEY RD BESSEMER, AL 35022 | LEADERS LIFE INSURANCE CO | $120 | $0 | $120 | 1.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BLVD STE 1200 ST LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 19.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BLVD STE 1200 ST LOUIS, MO 63105 | LEADERS LIFE INSURANCE CO | $690 | $0 | $690 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ONE DIGITAL EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $95K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $44K |
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $40K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $14K |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE CO | 890 | $216K |
| Vision | UNITED HEALTHCARE INSURANCE CO | 890 | $216K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 338 | $231K |
| Short-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 338 | $234K |
| Long-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 338 | $234K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 208 | $444K |
| Other(4 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 338 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 890 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.