| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $73K | $570 | $74K | 5.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $37K | $17K | $54K | 14.99% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADMIN AMERICA EIN 20-3581707 TPA | Plan Administrator; Consulting (general); Contract Administrator; Claims processing Service code 12 | 11800 AMBERPARK DRIVE SUITE 230 ALPHARETTA, GA 30009 | $4K |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | 113 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 530 | $361K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 530 | $361K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 530 | $361K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 530 | $361K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 530 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.