| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL | $5K | $0 | $5K | 1.74% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | DELTA DENTAL | $3K | $0 | $3K | 1.26% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 201 SOUTH DENVER AVENUE, SUITE 500 TULSA, OK 74103 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.82% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.45% |
| MCC HEALTH GROUP, INC.3 | PO BOX 1955 MANGO, FL 33550 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| MCC LIFE BROKERAGE, INC.3 | 3550 BUSCHWOOD PARK DRIVE SUITE 255 TAMPA, FL 33618 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| ALLEN A. CHRISTOPHERSON3 | 200 CATTLE DRIVE, SUITE 81 FREDERICKSBURG, TX 78624 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 201 SOUTH DENVER AVENUE, SUITE 500 TULSA, OK 74103 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.48% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $364 | $0 | $364 | 0.60% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | VISION SERVICE PLAN | $152 | $0 | $152 | 0.25% |
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 | 393 | 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) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 421 | $276K |
| Vision | VISION SERVICE PLAN | 401 | $61K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 548 | $114K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 548 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.