| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | — | BLUECROSS BLUE SHIELD OF ILLINOIS | $27K | $1K | $28K | 4.25% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $6K | $13K | 12.90% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.54% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 11.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 NORTH DALE MABRY HWY STE 1008 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.70% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 16.86% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 NORTH DALE MABRY HWY STE 1008 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.66% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 12.33% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 NORTH DALE MABRY HWY STE 1008 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.71% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.87% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 NORTH DALE MABRY HWY STE 1008 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.71% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $628 | $628 | 1.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.64% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $384 | — | $384 | 1.57% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF ILLINOIS | 99 | $665K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $101K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $123K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $52K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.