| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: VARIOUS AGENTS SEE ATTACHMENT | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $1K | $21K | 10.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STARMOUNT LIFE INSURANCE COMPANY | $14K | $2K | $17K | 14.01% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 9375 GREENSBORO, NC 274290375 | STARMOUNT LIFE INSURANCE COMPANY | $75 | — | $75 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | STARMOUNT LIFE INSURANCE COMPANY | — | $13 | $13 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $969 | $9K | 19.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $567 | $4K | 13.59% |
| ENROLLEASE3 Filed as: ONE DIGITAL - RALEIGH NC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | EYEMED | $3K | — | $3K | 10.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $172K |
| DIGITAL INSURANCE, INC EIN 58-2522668 BROKER | Other commissions Service code 55 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 303395946 | $37K |
| BCBS NORTH CAROLINA EIN 56-0894904 CALIMS RUN OUT | Insurance agents and brokers Service code 22 | — | $13K |
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 | 429 | 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) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 317 | $118K |
| Vision | EYEMED | 381 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 445 | $26K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 445 | $26K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 307 | $312K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 445 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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."
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.