| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $108K | $17K | $125K | 9.21% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C T HELLMUTH & ASSOC INC | 8401 CONNECTICUT AVENUE SUITE 501 CHEVY CHASE, MD 20815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 4.25% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS - SOCAL | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303393182 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | $3K | $55K | 5.86% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 303395946 | RELIASTAR LIFE INSURANCE COMPANY | $85K | — | $85K | 20.46% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYEMED | $14K | — | $14K | 9.56% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 10.54% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C T HELLMUTH & ASSOC INC | 8401 CONNECTICUT AVENUE SUITE 501 CHEVY CHASE, MD 20815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $454 | — | $454 | 7.68% |
| FINANCIAL BALANCE GROUP LLC3 | 1355 PICARD DR S380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.10% |
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 | 1,238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 102 | $942K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,634 | $1.4M |
| Vision | EYEMED | 2,123 | $143K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,634 | $1.4M |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,634 | $1.4M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,634 | $1.4M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,709 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,709 | — |
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.