| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 12.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | D/B/A IRONWOOD 4401 NORTHSIDE PARKWAY #800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $38 | $2K | 7.05% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 5.76% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 3333 RIVERWOOD PARKWAY STE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $442 | $31 | $473 | 1.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $99 | $99 | 0.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $35 | $35 | 0.12% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY STE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 15.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | D/B/A IRONWOOD 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $38 | $2K | 7.21% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 7.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 3333 RIVERWOOD PARKWAY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $948 | $31 | $979 | 3.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $87 | $87 | 0.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $69 | $69 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $231K |
| DIGITAL INSURANCE, INC EIN 58-2522668 BROKER | Other commissions Service code 55 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 303395946 | $28K |
| IRONWOOD BENEFITS ADVISORY SERVICES EIN 27-4687473 BROKER | Other commissions Service code 55 | — | $20K |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 111 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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."
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.