| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $3K | $21K | 12.21% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 6.10% |
| ECM BENEFITS LLC3 | 4000 PARK RD CHARLOTTE, NC 282092388 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.73% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTION | 132 WESTPARK BLVD COLUMBIA, SC 292103856 | METROPOLITAN LIFE INSURANCE COMPANY | $550 | — | $550 | 0.31% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $288 | $288 | 0.16% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10 | $10 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.96% |
| EMC BENEFITS LLC | 532 S MAIN ST SUITE 300 GREENVILLE, SC 29601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $337 | — | $337 | 2.04% |
| PLANSOURCE BENEFIT ADMINISTRATION Filed as: PLANSOURCE BENEFIT ADMINISTRATOR | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$279 | — | -$279 | -1.69% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $51 | $1K | 15.92% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $428 | $10 | $438 | 4.77% |
| ECM BENEFITS LLC3 | 4000 PARK RD CHARLOTTE, NC 282092388 | METROPOLITAN LIFE INSURANCE COMPANY | $208 | — | $208 | 2.27% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $125 | $125 | 1.36% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTION | 132 WESTPARK BLVD COLUMBIA, SC 292103856 | METROPOLITAN LIFE INSURANCE COMPANY | $89 | — | $89 | 0.97% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESERACH LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $86 | $86 | 0.94% |
| DIGITAL INSURANCE LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.16% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, SUITE 950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $85 | $1K | 15.94% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $338 | $10 | $348 | 4.77% |
| ECM BENEFITS LLC3 | 4000 PARK RD CHARLOTTE, NC 282092388 | METROPOLITAN LIFE INSURANCE COMPANY | $159 | — | $159 | 2.18% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $68 | $68 | 0.93% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTION | 132 WESTPARK BLVD COLUMBIA, SC 292103856 | METROPOLITAN LIFE INSURANCE COMPANY | $68 | — | $68 | 0.93% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51 | $51 | 0.70% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.16% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $176K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $176K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $176K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $176K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.