| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $139K | — | $139K | 3.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY ST. SUITE 1950 ATLANTA, GA 303395946 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $147K | — | $147K | 6.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $90K | $17K | $106K | 10.52% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $14K | $50K | 4.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS. INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $790 | $7K | 14.91% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $658 | $2K | 4.66% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $396 | $4K | 14.95% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $793 | $317 | $1K | 4.65% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $261 | $3K | 12.43% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE. 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $563 | $225 | $788 | 3.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS. INC. | 200 GALLERIA PARKWAY SE. STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $215 | $2K | 23.22% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 ATLANTA, GA 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $334 | $134 | $468 | 7.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS. INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | — |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | — |
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 | 674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 305 | $6.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,609 | $3.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,609 | $1.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,609 | $1.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,609 | $1.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,609 | $1.0M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 305 | $3.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,609 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,609 | — |
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.