| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 303395946 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 150 ATLANTA, GA 303395946 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | $3K | $3K | 4.68% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $613 | — | $613 | 1.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 7.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 303395946 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 6.89% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $567 | — | $567 | 1.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 303395946 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.82% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 6.66% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $348 | — | $348 | 0.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator; Claims processing Service code 12 | — | $133K |
| DIGITAL INSURANCE LLC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | $85K |
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 | 764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 764 | $37K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 764 | $53K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $57K |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 764 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 764 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.