| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW B MORASKI3 Filed as: MATTHEW B. MORASKI | 1600 DIVISION STREET STE 420 NASHVILLE, TN 37207 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $63K | — | $63K | 3.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST. STE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 10.61% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 8.29% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC DBA ONEDIGITA | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 4.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST. STE 200 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 23.07% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 8.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.61% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST. STE 220 NASHVILLE, TN 37203 | UNUM INSURANCE COMPANY | $3K | — | $3K | 13.82% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | — | $843 | $843 | 4.61% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | — | $843 | $843 | 4.61% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST. STE 220 NASHVILLE, TN 37203 | UNUM INSURANCE COMPANY | $2K | — | $2K | 13.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | — | $524 | $524 | 4.60% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MA 63122 | UNUM INSURANCE COMPANY | — | $524 | $524 | 4.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST. STE 220 NASHVILLE, TN 37203 | UNUM INSURANCE COMPANY | $1K | — | $1K | 11.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | — | $430 | $430 | 4.59% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | — | $430 | $430 | 4.59% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 320 | $1.9M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 320 | $1.9M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 320 | $1.9M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $167K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $128K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $128K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.