| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF ILLINOIS | $35K | $4K | $39K | 6.13% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $6K | $2K | $7K | 13.55% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.57% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $719 | $4K | 9.10% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $803 | $3K | 7.15% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $3K | $749 | $3K | 11.63% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.55% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $229 | $3K | 23.51% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $692 | $234 | $926 | 7.27% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | EYEMED | $751 | $0 | $751 | 9.76% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $136 | $2K | 24.21% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $369 | $132 | $501 | 7.53% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $119 | $1K | 23.51% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $307 | $104 | $411 | 7.18% |
No Schedule C service providers reported on this filing.
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 213 | $639K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $45K |
| Vision | EYEMED | 123 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 173 | $53K |
| Long-term disability | STANDARD INSURANCE COMPANY | 173 | $30K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 213 | $639K |
| Other(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 173 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.