| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $65K | $72K | 6.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 12.41% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.65% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $38 | $1K | 3.97% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $916 | $22 | $938 | 3.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $528 | $4K | 17.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $528 | — | $528 | 2.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $512 | — | $512 | 1.94% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC - GA | 200 GALLERIA PARKWAY SUITE 150 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $411 | $22 | $433 | 9.21% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $411 | $12 | $423 | 9.00% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $1.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $71K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $66K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
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.