| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | HEALTH OPTIONS | $9K | — | $9K | 5.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 5.50% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRLWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $6K | — | $6K | 17.79% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | GUARDIAN | $4K | — | $4K | 13.25% |
| KELLEY J RHEAULT4 | 155 CONCHA DR SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | — | $0 | 0.00% |
| AKA SOLUTIONS INC4 | 155 CONCHA DR SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | — | $0 | 0.00% |
| ENROLLEASE4 Filed as: DIGITAL INSURANCE INS | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | — | $0 | 0.00% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 78 | $281K |
| Dental | GUARDIAN | 174 | $33K |
| Vision | GUARDIAN | 174 | $33K |
| Life insurance | GUARDIAN | 174 | $33K |
| Short-term disability | GUARDIAN | 174 | $33K |
| Long-term disability | GUARDIAN | 174 | $33K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 78 | $281K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 174 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.