| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $23K | — | $23K | 31.66% |
| TURNKEY BENEFIT INSURANCE SERVICES3 Filed as: TURNKEY BENEFIT INSURANCE SERVICES, | PO BOX 55210 INDIANAPOLIS, IN 46205 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 5.28% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $7K | — | $7K | 9.50% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $3K | — | $3K | 4.95% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | GUARDIAN | — | $3K | $3K | 4.95% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $16K | — | $16K | 31.42% |
| TURNKEY BENEFIT INSURANCE SERVICES3 Filed as: TURNKEY BENEFIT INSURANCE SERVICES, | PO BOX 55210 INDIANAPOLIS, IN 46205 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 5.23% |
| BROKER NOT PROVIDED3 Filed as: NO BROKER LISTED | — | TELADOC | $2K | — | $2K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $312 | — | $312 | 9.28% |
| MOSIAC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $168 | — | $168 | 5.00% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA BENEFITS CONSULTING LLC | 4700 SIX FORKS RD STE 200 RALEIGH, NC 27609 | USABLE LIFE | $24 | — | $24 | 0.71% |
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 | 161 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 57 | $74K |
| Dental | GUARDIAN | 83 | $69K |
| Life insurance | USABLE LIFE | 161 | $3K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 315 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.