| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 400 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $27K | — | $27K | 3.02% |
| EBCA3 | 1410 SPRING HILL ROAD SUITE 300 COLUMBIA, MD 21046 | CAREFIRST BLUECHOICE | $8K | $12K | $20K | 12.22% |
| EBCA3 | 1410 SPRING HILL ROAD SUITE 300 COLUMBIA, MD 21046 | CAREFIRST BLUECHOICE | — | $2K | $2K | 1.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $403 | $4K | 11.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 300 400 GALLERIA PKY ATLANTA, GA 303393182 | STANDARD INSURANCE COMPANY | $3K | $1K | $5K | 17.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 300 400 GALLERIA PKY ATLANTA, GA 303393182 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 13.46% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS - | RICHMOND VA 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 303395946 | UNITED HEALTHCARE INSURANCE COMPANY | $314 | — | $314 | 3.26% |
| VOLUNTARY BENEFITS SYSTEMS, INC.3 | 2918 EBBWOOD DR ELLICOTT CITY, MD 21042 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 1.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS-ALLIANT INC | 6430 ROCKLEDGE DR STE 504 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.90% |
| BOSSE, LOUIS, T3 | 2918 EBBWOOD DR ELLICOTT CITY, ME 21042 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.63% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 300 400 GALLERIA PKY ATLANTA, GA 303393182 | STANDARD INSURANCE COMPANY | $529 | $267 | $796 | 16.98% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 195 | $1.1M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $44K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 136 | $27K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 29 | $10K |
| Long-term disability | STANDARD INSURANCE COMPANY | 136 | $26K |
| Prescription drug | CAREFIRST BLUECHOICE | 131 | $162K |
| Other | CAREFIRST BLUECHOICE | 131 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.