| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395918 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $3K | $11K | 15.39% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $3K | $6K | 9.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | — | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIGITIAL (CLJM, LLC DBA HM BENEFITS EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $30K |
| UMR EIN 39-1995276 ADMINISTRATOR | Claims processing Service code 12 | — | $27K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | 201 E. OREGON ROAD, SUITE 100 LITITZ, PA 17543 | $25K |
| CONNECTCARE3, LLC EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | 201 E. OREGON RD, SUITE 100 LITITZ, PA 17543 | $2K |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 0 | $68K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 0 | $68K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 173 | $65K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 173 | $65K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 128 | $385K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 173 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.