| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS, INC. | $2K | — | $2K | 0.08% |
| ION INSURANCE CORP3 Filed as: ION INSURANCE CORPORATION | PO BOX 619 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 18.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$1 | — | -$1 | -0.00% |
| THE MCKELLAN GROUP3 Filed as: MCKELLAN GROUP INC | 1449 OLD WATERBURY RD, STE 201 SOUTHBURY, CT 06488 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 13.36% |
| ION INSURANCE CORP3 | PO BOX 619 NAUGATUCK, CT 06770 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.07% |
| AMWINS3 Filed as: AMWINS GROUP BENEFIT | ONE ENTERPRISE DRIVE SUITE 210 SHELTON, CT 06484 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $781 | — | $781 | 1.19% |
| ION INSURANCE CORP3 | PO BOX 619 NAUGATUCK, CT 06770 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.94% |
| AMWINS3 Filed as: AMWINS GROUP BENEFIT | ONE ENTERPRISE DRIVE SUITE 210 SHELTON, CT 06484 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $426 | — | $426 | 1.91% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE IN | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $322 | — | $322 | 1.44% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS, INC. | 584 | $2.0M |
| Life insurance(2 contracts) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 231 | $88K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 204 | $72K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 204 | $72K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.