| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE, INC DBA ONEDIGIT | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $56K | $8K | $64K | 17.53% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $9K | $33K | 14.82% |
| MJ INSURANCE3 Filed as: SEE ATTACHED-VARIOUS AGENTS | — | AFLAC | $8K | $171 | $8K | 15.38% |
| THE JOSEPH AGENCY INC.4 | 314 WICKHAM CT LONGWOOD, CT 32779 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $231 | — | $231 | 7.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIGITAL INSURANCE BROKER | Insurance agents and brokers Service code 22 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | $100K |
| MERITAIN HEALTH EIN 16-1264154 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $61K |
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 | 387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 387 | $223K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 387 | $223K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 387 | $223K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 387 | $223K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 387 | $223K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $365K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 387 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.