| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | WESTPORT INSURANCE CORPORATION | $635 | — | $635 | 1.01% |
| ALLIED BENEFIT SYSTEMS, LLC3 Filed as: ALLIED BENEFIT SYSTEMS, INC. | 200 WEST ADAMS ST. SUITE 500 CHICAGO, IL 60606 | WESTPORT INSURANCE CORPORATION | $635 | — | $635 | 1.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 303395946 | DOMINION NATIONAL | $4K | — | $4K | 8.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 303395946 | MONY LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.86% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | MONY LIFE INSURANCE COMPANY OF AMERICA | — | $295 | $295 | 0.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 THIRD PARTY ADMINISTRATI | Plan Administrator Service code 14 | — | $35K |
| DIGITAL INSURANCE, INC. EIN 58-2522668 BROKER | Foreign entity (e.g., an agent or broker, bank, insurance company, etc. not operating within jurisdictional boundaries of the United States) Service code 40 | — | $19K |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION NATIONAL | 126 | $44K |
| Vision | DOMINION NATIONAL | 126 | $44K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 137 | $39K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 137 | $39K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 137 | $39K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 89 | $63K |
| Other | MONY LIFE INSURANCE COMPANY OF AMERICA | 137 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.