| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONE DIGITAL | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43K | — | $43K | 12.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $5K | $42K | 17.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MISSOURI | $6K | — | $6K | 3.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 12.13% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $686 | $3K | 5.85% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | ADVANTICA INSURANCE COMPANY | $2K | — | $2K | 10.12% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $426 | $3K | 17.96% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE. 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $367 | $3K | 17.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAV-RX PRESCRIPTIONS SERVICES EIN 86-1323040 PHARMACY BENEFIT ADVISOR | Claims processing Service code 12 | — | $575K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $135K |
| H & H HEALTH ASSOCIATES CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 3660 S GEYER ROAD #100 ST LOUIS, MO 63127 | $11K |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $36K |
| Dental | DELTA DENTAL OF MISSOURI | 504 | $206K |
| Vision | ADVANTICA INSURANCE COMPANY | 394 | $24K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 836 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $248K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 258 | $357K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 836 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 836 | — |
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.