| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89K | $13K | $102K | 16.01% |
| TIFFANY GONZALEZ3 | 14860 DUNBARTON PLACE MIAMI LAKES, FL 33016 | TRANSAMERICA LIFE INSURANCE COMPANY | $36K | — | $36K | 8.99% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD, SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 4.01% |
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 | 2,397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 2,473 | $14.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,951 | $908K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,951 | $908K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 939 | $636K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 939 | $636K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 939 | $636K |
| Prescription drug(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 2,473 | $13.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 939 | $636K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,473 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.