| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 | 2300 WINDY RIDGE PRWY SE. SUITE 695 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 5.44% |
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS INC | 17 TECHNOLOGY CIR, SUITE E2AG COLUMBIA, SC 29203 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 0.99% |
| IBENEFIT COMMUNICATION LLC3 | 1315 19TH AVE NW CLINTON, IA 52732 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.47% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $51 | $2K | 1.89% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $154 | $154 | 0.18% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $50 | $50 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 PPO & UTILIZATION REVIEW | Claims processing Service code 12 | — | $0 |
| DIGITAL INSURANCE, LLC EIN 58-2522668 BROKER/CONSULTING FEES | Consulting fees Service code 70 | — | $0 |
| FIRST STOP HEALTH EIN 45-1542956 MANAGED CARE PROGRAMS | Other services Service code 49 | — | $0 |
| OCCUNET EIN 27-1563468 PPO NETWORK FEES | Claims processing Service code 12 | — | $0 |
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 TPA ADMINISTRATOR | Plan Administrator Service code 14 | — | $0 |
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 | 608 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 608 | $85K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 561 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.