| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDRICK E. ANGLE III3 | 1011 CLUB DRIVE CIRCLE SUITE 101 GREENSBORO, GA 30642 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | — | $47K | 6.33% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $90 | $90 | 0.01% |
| BENEFITS RE LLC3 | 5217 MONROE ST. B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $28K | $28K | 8.00% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW DR SUITE 210 CHARLOTTE, NC 28210 | RELIASTAR LIFE INSURANCE COMPANY | $23K | — | $23K | 6.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIASTAR LIFE INSURANCE COMPANY | $12K | — | $12K | 3.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY ST. SUITE 1950 ATLANTA, GA 303395946 | COMMUNITY EYE CARE | $16K | — | $16K | 10.00% |
| DIGITAL INSURANCE LLC4 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY ST. SUITE 1950 ATLANTA, GA 303395946 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | — | $5K | 17.00% |
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 | 1,830 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 2,214 | $164K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,752 | $745K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,752 | $745K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,752 | $745K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,831 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,214 | — |
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.