| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | — | TRUASSURE INSURANCE COMPANY | $4K | — | $4K | 10.76% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | — | TRUASSURE INSURANCE COMPANY | $2K | — | $2K | 5.38% |
| D'ANN DABELL4 Filed as: D ANN DABELL | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $273 | — | $273 | 8.09% |
| LISA L BASS4 Filed as: LISA BASS HUGHES | 1969 LITTLE MOUNTAIN RD. ALEXIS, NC 28006 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $191 | — | $191 | 5.66% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $7K | — | $7K | — |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, INC. | 3800 FERNANDINA RD. SUITE 200 COLUMBIA, SC 29221 | GUARDIAN | $2K | — | $2K | — |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | GUARDIAN | $1K | — | $1K | — |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | GUARDIAN | $1K | — | $1K | — |
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 | 115 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | TRUASSURE INSURANCE COMPANY | 127 | $36K |
| Vision | GUARDIAN | 103 | $0 |
| Life insurance | GUARDIAN | 103 | $0 |
| Short-term disability | GUARDIAN | 103 | $0 |
| Long-term disability | GUARDIAN | 103 | $0 |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | 103 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.