| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $8K | $24K | 22.85% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 21.08% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC. DBA | ONEDIGITAL HEALTH AND BENEFITS 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCECOMPANY OF CANADA | $3K | $255 | $3K | 11.09% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCECOMPANY OF CANADA | $1K | — | $1K | 5.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FL EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $267K |
| DIGITAL INSURANCE LLC INSURANCE AGENT & BROKER | Claims processing Service code 12 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | $116K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 ADMINISTRATIVE SERVICES | Other fees; Claims processing Service code 12 | — | $14K |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCECOMPANY OF CANADA | 231 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.