| 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 | $4K | — | $4K | 4.48% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW RD, SUITE 210 CHARLOTTE, NC 28210 | METROPOLITAN LIFE INSURANCE COMPANY | $698 | — | $698 | 4.27% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $204 | $367 | $571 | 3.49% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $130 | $30 | $160 | 0.98% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 TPA ADMINISTRATOR | Plan Administrator Service code 14 | — | $15K |
| DIGITAL INSURANCE, LLC EIN 58-2522668 BROKER/CONSULTING FEES | Consulting fees Service code 70 | — | $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 | 425 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 406 | $16K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 425 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.