| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 | 2839 PACES FERRY RD SE SUITE 830 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $2K | $15K | 14.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| IBENEFIT COMMUNICATION LLC3 | PLILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $664 | $6K | 8.10% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $455 | $3K | 3.70% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 19.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| IBENEFIT COMMUNICATION LLC3 | PHILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $4K | $281 | $5K | 14.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $562 | $4K | 12.61% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL - RALEIGH NC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYEMED | $3K | — | $3K | 9.98% |
| IBENEFIT COMMUNICATION LLC3 | PLILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $4K | $294 | $4K | 18.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $2K | — | $2K | 7.05% |
| IBENEFIT COMMUNICATION LLC3 | PLILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $1K | $196 | $1K | 7.28% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $1K | — | $1K | 6.00% |
| IBENEFIT COMMUNICATION LLC3 | PHILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $297 | $5K | 43.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 11.93% |
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 | 489 | 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) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 314 | $104K |
| Vision | EYEMED | 285 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $28K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $28K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 314 | $458K |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.