| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | BLUECROSS BLUESHIELD OF ILLINOIS | $5K | $5K | $10K | 13.34% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF ILLINOIS | $4K | $825 | $4K | 19.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MULTIBENEFIT SERVICES - EAST EIN 36-4104766 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $100K |
| DIGITAL INSURANCE LLC EIN 58-2522668 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $48K |
| ADVANCED MEDICAL PRICING SOLUTION EIN 20-2149357 NONE | Other services; Claims processing Service code 12 | — | $12K |
| AETNA ASA EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $7K |
| CORESOURCE EIN 35-1846036 NONE | Claims processing Service code 12 | — | $5K |
| STAR MARKETING AND ADMINISTRATION, EIN 36-3403079 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | -$26K |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 195 | $78K |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 195 | $78K |
| Life insurance | BLUECROSS BLUESHIELD OF ILLINOIS | 191 | $23K |
| Short-term disability | BLUECROSS BLUESHIELD OF ILLINOIS | 191 | $23K |
| Other | BLUECROSS BLUESHIELD OF ILLINOIS | 191 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.