| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE CORP | $12K | $5K | $17K | 14.29% |
| THE BENEFIT COMPANY INC3 | P O BOX 23127 COLUMBIA, SC 29224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $5K | $16K | 17.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| THE BENEFIT COMPANY INC3 | P O BOX 23127 COLUMBIA, MO 29224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, GA 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 16.70% |
| THE BENEFIT COMPANY INC3 | P O BOX 211486 COLUMBIA, SC 29221 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 15.53% |
| THE BENEFIT COMPANY INC3 | P O BOX 211486 COLUMBIA, GA 29221 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.98% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: TH BENEFIT COMPANY | P O BOX 23127 COLUMBIA, SC 29224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, GA 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.94% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| THE BENEFIT COMPANY INC3 | P O BOX 23127 COLUMBIA, SC 29224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $918 | $918 | 5.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $918 | $918 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARK MCLEAN DIGITAL INSURANCE CO EIN 56-2204166 BROKER | Insurance agents and brokers Service code 22 | P O BOX 1889 FORT MILL, SC 29713 | $57K |
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 | 244 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 319 | $118K |
| Vision | METROPLITAN LIFE INSURANCE COMPANY | 427 | $26K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 244 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $63K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 243 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.