| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC | 200 GALLERIA PARKWAY, SE SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $20K | $20K | 2.94% |
| IVIE-BRYANT INSURANCE | PO BOX 688 LAWRENCEBURG, TN 38464 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $14K | $14K | 2.06% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SE SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 5.42% |
| IVIE-BRYANT INSURANCE3 Filed as: IVIE-BRYANT INSURANCE LLC | 1905 N LOCUST AVE LAWRENCEBURG, TN 38464 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.63% |
| JOHN JACKSON DAVIS3 | 201 W GAINES ST LAWRENCEBURG, TN 38464 | PRINCIPAL LIFE INSURANCE COMPANY | $924 | — | $924 | 0.68% |
| JENNIFER MCCAFFERTY3 | 201 W GAINES ST LAWRENCEBURG, TN 38464 | PRINCIPAL LIFE INSURANCE COMPANY | $924 | — | $924 | 0.68% |
| JOHN JACKSON DAVIS3 | PO BOX 886 LAWRENCEBURG, TN 38464 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 16.99% |
| JENNIFER MCCAFFERTY3 | PO BOX 886 LAWRENCEBURG, TN 38464 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 9.71% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.57% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $734 | — | $734 | 1.35% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $328 | — | $328 | 0.61% |
| JOHN JACKSON DAVIS3 | PO BOX 886 LAWRENCEBURG, TN 38464 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 13.04% |
| JENNIFER MCCAFFERTY3 | PO BOX 886 LAWRENCEBURG, TN 38464 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.82% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $735 | — | $735 | 1.99% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $438 | — | $438 | 1.19% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $187 | — | $187 | 0.51% |
| JENNIFER MCCAFFERTY3 | 201 W GAINES ST LAWRENCEBURG, TN 38464 | KEMPER INSURANCE | $10K | — | $10K | 35.77% |
| JOHN JACKSON DAVIS3 | 201 W GAINES ST LAWRENCEBURG, TN 38464 | KEMPER INSURANCE | $10K | — | $10K | 35.77% |
| JOHN JACKSON DAVIS | 201 W GAINES ST LAWRENCEBURG, TN 38464 | KEMPER INSURANCE | $9K | — | $9K | 36.67% |
| JENNIFER MCCAFFERTY3 | 201 W GAINES ST LAWRENCEBURG, TN 38464 | KEMPER INSURANCE | $9K | — | $9K | 36.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, INC EIN 36-3086057 | Plan Administrator Service code 14 | 200 WEST ADAMS ST. SUITE 500 CHICAGO, IL 60606 | $28K |
| DIGITAL INSURANCE LLC EIN 58-2522668 | Insurance brokerage commissions and fees Service code 53 | 200 GALLERIA PARKWAY, SE SUITE 1950 ATLANTA, GA 30339 | $19K |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 66 | $669K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $136K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $136K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $228K |
| Short-term disability(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $228K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $173K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 111 | $12K |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 83 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.