| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $49K | $19K | $67K | 20.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 7301 SW 57TH CT. STE 500 MIAMI, FL 33143 | HCC LIFE INSURANCE COMPANY | $31K | — | $31K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 300 GALLERIA PARKWAY SUITE 1100 ATLANTA, GA 30339 | HCC LIFE INSURANCE COMPANY | — | $9K | $9K | 2.94% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC DBA ONE DIGIT | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | HCC LIFE INSURANCE COMPANY | — | $3K | $3K | 0.83% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $8K | $25K | 14.96% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.00% |
| SEE ATTACHED LIST3 | P. O. BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $139 | $6K | 11.05% |
| SEE ATTACHED LIST3 | — | AFLAC | $2K | — | $2K | 9.70% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $2K | $951 | $3K | 13.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMINISTRATIVE FEES | Other commissions; Claims processing Service code 12 | — | $201K |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 248 | $314K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $168K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $193K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $326K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $326K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $326K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 248 | $314K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.