| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 3.50% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | GBG INSURANCE LIMITED | $10K | — | $10K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.37% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | GBG INSURANCE LIMITED | $4K | — | $4K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 15.11% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.95% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $5K | 16.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 14.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 4.66% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $756 | $139 | $895 | 12.43% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $293 | $59 | $352 | 4.89% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $918 | $97 | $1K | 21.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $265 | $51 | $316 | 20.61% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | METROPOLITAN LIFE INSURANCE COMPANY | $40 | — | $40 | 2.61% |
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 | 1,090 | 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) | 1,090 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 53 | $643K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $742K |
| Vision | VISION SERVICE PLAN | 108 | $23K |
| Life insurance(3 contracts, 2 carriers) | GBG INSURANCE LIMITED | 148 | $282K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $32K |
| Long-term disability(2 contracts, 2 carriers) | GBG INSURANCE LIMITED | 148 | $101K |
| Other(7 contracts, 4 carriers) | GBG INSURANCE LIMITED | 1,090 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,090 | — |
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.