| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SNELLINGS WALTERS INSURANCE AGENCY3 | PO BOX 661061 DALLAS, TX 752661061 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 6.27% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 441225646 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $9K | 5.97% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 5.62% |
| SNELLINGS WALTERS INSURANCE AG3 | 5 CONCOURSE PKWY STE 2700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $638 | $32 | $670 | 10.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $349 | — | $349 | 5.31% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | — | $329 | $329 | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 1950 200 GALLERIA PKWY ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | — | $46 | $46 | 0.70% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $613 | — | $613 | 10.85% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | — | $262 | $262 | 4.64% |
| SNELLING WALTERS INSURANCE AG3 | 5 CONCOURSE PKWAY STE 2700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $171 | $9 | $180 | 3.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 1950 200 GALLERIA PKWY ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | — | $139 | $139 | 2.46% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $374 | — | $374 | 11.07% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | — | $157 | $157 | 4.65% |
| SNELLINGS WALTERS INSURANCE AG3 | 5 CONCOURSE PKWY STE 2700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $95 | $5 | $100 | 2.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 1950 200 GALLERIA PKWY ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | — | $92 | $92 | 2.72% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNUM INSURANCE COMPANY | 30 | $16K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $155K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $155K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $155K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $155K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $155K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.