| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 11.63% |
| DIGITAL INSURANCE LLC3 | 8008 CORPORATE CENTER DR. SUITE 115 CHARLOTTE, NC 28226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $11K | $22K | 7.68% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS INC. | PO BOX 24337 WINSTON SALEM, NC 27114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.88% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK 899 CASSATT RD. BERWYN, PA 19312 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.51% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $78 | $78 | 0.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRUASSURE INSURANCE COMPANY | $19K | — | $19K | 9.90% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | — | TRUASSURE INSURANCE COMPANY | $10K | — | $10K | 4.95% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 10.05% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC. | 899 CASSATT RD. 400 BERWYN PARK STE 200 BERWYN, PA 19312 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 4.95% |
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 | 424 | 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) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | TRUASSURE INSURANCE COMPANY | 645 | $197K |
| Vision | VISION BENEFITS OF AMERICA | 309 | $30K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 424 | $288K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 424 | $288K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 424 | $288K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 424 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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.