| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $110K | — | $110K | 18.04% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $88K | — | $88K | 18.05% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $26K | $1K | $27K | 14.18% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTHE BLVD SUITE 1200 ST. LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | -$48 | — | -$48 | -0.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 9.99% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTHE BLVD SUITE 1200 CLAYTON, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$5 | — | -$5 | -0.01% |
| DIGITAL INSURANCE LLC3 | THE GUARDIAN LIFE INSURANCE CO 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 65.98% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BLVD SUITE 105 OVERLAND PARK, KS 66210 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 34.02% |
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 | 1,004 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,775 | $99K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,239 | $611K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,111 | $507K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,303 | $830K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,775 | — |
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.