| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORIZON INSURANCE COMPANY Filed as: HORIZON INSURANCE & ASSOCIATES | — | BLUECROSS BLUESHIELD OF ILLINOIS | $27K | — | $27K | 4.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $14K | $39K | 18.13% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ST. SUITE 1950 ATLANTA, GA 303395946 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $14K | 14.70% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY ST. SUITE 1950 ATLANTA, GA 303395946 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIGITAL INURANCE INC. BROKER | Other commissions Service code 55 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $59K |
| CIGNA EIN 59-1031071 CLAIMS ADMIN | Float revenue; Other services; Direct payment from the plan; Participant communication; Non-monetary compensation; Named fiduciary; Claims processing; Contract Administrator Service code 12 | — | $26K |
| CIGNA HEALTH & LIFE INSURANCE CO | Float revenue; Direct payment from the plan; Participant communication; Named fiduciary; Non-monetary compensation; Other services; Contract Administrator; Claims processing Service code 12 | — | $0 |
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 | 265 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 89 | $660K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $95K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 156 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $216K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $216K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $216K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.