| 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 | DELTA DENTAL OF MISSOURI | $12K | $0 | $12K | 5.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $5K | $37K | 17.23% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 325 KIRKWOOD, MD 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 3.42% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 17.22% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.37% |
| ENROLLEASE3 Filed as: ONE DIGITAL LLC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $6K | $0 | $6K | 15.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY STE 1950 AATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $560 | $187 | $747 | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $177K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $52K |
| ONEDIGITAL (CLJM, LLC. DBA HM BENEF EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $52K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $17K |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 655 | $222K |
| Vision | EYEMED VISION CARE | 592 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 362 | $212K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 362 | $212K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 362 | $212K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 312 | $742K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 362 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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.