| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PARKWAY SE SUITE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $5K | $19K | 11.38% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $10K | 6.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF GEORGIA INC | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $564 | $6K | 3.66% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT INDEMNITY CORP. EIN 66-0761417 N/A | Contract Administrator Service code 13 | — | $64K |
| DIGITAL INSURANCE, INC. EIN 58-2522668 AGENT | Insurance agents and brokers Service code 22 | — | $64K |
| SISCO EIN 42-1144827 TPA | Contract Administrator Service code 13 | — | $38K |
| CIGNA/GREAT WEST HEALTH EIN 84-0467907 PPO NETWORK | Contract Administrator Service code 13 | — | $18K |
| TELADOC HEALTH EIN 04-3705970 TELEDOC ADMIN | Claims processing Service code 12 | — | $2K |
| ADMIN AMERICA, INC. FSA ADMIN | Contract Administrator Service code 13 | 1720 WINDWARD CONCOURSE SUITE 290 ALPHARETTA, GA 30009 | $2K |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $166K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $166K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $166K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $166K |
| Stop-loss / reinsurancereinsurance | STRATEGIC UNDERWRITING SOLUTIONS, LLC | 99 | $251K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.