| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | — | COMMUNITY INSURANCE COMPANY (G1728) | $9K | $1K | $10K | 0.84% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | COMMUNITY INSURANCE COMPANY (G1728) | — | $5K | $5K | 0.40% |
| DIGITAL INSURANCE LLC3 | — | ANTHEM LIFE INSURANCE COMPANY (G1400) | $5K | $909 | $6K | 12.85% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | ANTHEM LIFE INSURANCE COMPANY (G1400) | — | $2K | $2K | 5.01% |
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 | 97 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 239 | $1.2M |
| Dental | COMMUNITY INSURANCE COMPANY (G1728) | 239 | $1.2M |
| Vision | COMMUNITY INSURANCE COMPANY (G1728) | 239 | $1.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY (G1400) | 96 | $45K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 96 | $45K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 96 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.