| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $119K | $65K | $184K | 13.76% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C T HELLMUTH & ASSOC | 8401 CONNECTICUT AVE SUITE501 CHEVY CHASE, MD 20815 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $66K | — | $66K | 4.91% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $471 | — | $471 | 0.04% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303393182 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | $4K | $63K | 6.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 303395946 | RELIASTAR LIFE INSURANCE COMPANY | $93K | $6K | $99K | 21.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN | $10K | $4 | $10K | 4.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $16K | — | $16K | 9.65% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN | $3K | $1 | $3K | 5.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN PROPERTY AND CASUALTY | $4K | $2K | $6K | 14.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 19200 STEVENS CREEK BLVD SUITE 1950 CUPERTINO, CA 95014 | METROPOLITAN PROPERTY AND CASUALTY | — | $27 | $27 | 0.07% |
| 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 | $1K | — | $1K | 15.36% |
| FINANCIAL BALANCE GROUP LLC3 | 1355 PICARD DR S380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37 | — | $37 | 0.40% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C T HELLMUTH & ASSOC | 8401 CONNECTICUT AVE SUITE 501 CHEVY CHASE, MD 20815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $489 | — | $489 | 6.90% |
| FINANCIAL BALANCE GROUP LLC3 Filed as: FINANCIAL BALANCE GROUP | 1355 PICARD DR S380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.07% |
| ENROLLEASE3 Filed as: ONE DIGITAL - ORLANDO | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $110 | — | $110 | 7.11% |
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 | 2,074 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 253 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 194 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 2,044 | $1.3M |
| Vision(2 contracts) | EYEMED VISION CARE | 2,689 | $167K |
| Life insurance | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 2,044 | $1.3M |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 2,044 | $1.4M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 2,044 | $1.3M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 2,895 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,895 | — |
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.