| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 1.78% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.53% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | GBG INSURANCE LIMITED | $17K | — | $17K | 11.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | DELTA DENTAL OF PENNSYLVANIA | $4K | — | $4K | 3.27% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVE N BETHESDA, MD 20852 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 1.73% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVE N BETHESDA, MD 20852 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 8.19% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.64% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | GBG INSURANCE LIMITED | $7K | — | $7K | 11.00% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVE N BETHESDA, MD 20852 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 8.83% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.62% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C.T. HELLMUTH & ASSOCIATES, INC. | 909 ROSE AVE N BETHESDA, MD 20852 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $4K | 10.22% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.18% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVE N BETHESDA, MD 20852 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $976 | $1K | $2K | 9.19% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.66% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVE N BETHESDA, MD 20852 | VISION SERVICE PLAN | $583 | — | $583 | 2.34% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | VISION SERVICE PLAN | $550 | — | $550 | 2.21% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVE N BETHESDA, MD 20852 | METROPOLITAN LIFE INSURANCE COMPANY | $486 | $82 | $568 | 6.34% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $386 | $62 | $448 | 5.00% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | METROPOLITAN LIFE INSURANCE COMPANY | $456 | $25 | $481 | 10.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $391 | $37 | $428 | 9.53% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | METROPOLITAN LIFE INSURANCE COMPANY | $239 | — | $239 | 14.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13 | $13 | 0.80% |
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 | 1,470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 50 | $612K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 138 | $727K |
| Vision | VISION SERVICE PLAN | 118 | $25K |
| Life insurance(3 contracts, 2 carriers) | GBG INSURANCE LIMITED | 171 | $246K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $34K |
| Long-term disability(2 contracts, 2 carriers) | GBG INSURANCE LIMITED | 171 | $96K |
| Other(7 contracts, 4 carriers) | GBG INSURANCE LIMITED | 1,470 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,470 | — |
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.
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.