| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY ATLANTA, GA 30339 | INNOVATION HEALTH | $29K | — | $29K | 2.06% |
| ISM INSURANCE INC3 | 1316 NORTH UNION ST WILMINGTON, DE 19806 | INNOVATION HEALTH | $21K | — | $21K | 1.53% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 2.28% |
| ISM INSURANCE INC3 | 1316 NORTH UNION ST WILMINGTON, DE 19806 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.70% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $495 | — | $495 | 5.64% |
| EBCA5 | 1430 SPRING HILL RD STE 320 MCLEAN, VA 22102 | VISION SERVICE PLAN | — | $439 | $439 | 5.00% |
| ISM INSURANCE INC3 | 2207 CONCORD PIKE PMB 417 WILMINGTON, DE 19803 | VISION SERVICE PLAN | $383 | — | $383 | 4.36% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INNOVATION HEALTH | 102 | $1.4M |
| Dental | AETNA LIFE INSURANCE CO. | 108 | $111K |
| Vision | VISION SERVICE PLAN | 76 | $9K |
| Prescription drug | INNOVATION HEALTH | 102 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.