| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC - GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303395946 | BLUECROSS BLUESHIELD OF TEXAS | $47K | — | $47K | 2.80% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NW FWY STE 265 HOUSTON, TX 770406165 | BLUECROSS BLUESHIELD OF TEXAS | $10K | — | $10K | 0.60% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NW FWY STE 265 HOUSTON, TX 770406165 | BLUECROSS BLUESHIELD OF TEXAS | $4K | — | $4K | 0.23% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC - GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303395946 | BLUECROSS BLUESHIELD OF TEXAS | $10 | — | $10 | 0.00% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NW FWY STE 265 HOUSTON, TX 770406165 | BLUECROSS BLUESHIELD OF TEXAS | $2 | — | $2 | 0.00% |
| VISIBLE CHANGES INC3 | 1303 CAMPBELL ROAD HOUSTON, TX 770556403 | BLUECROSS BLUESHIELD OF TEXAS | $1 | — | $1 | 0.00% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC - GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HUMANA | $11K | — | $11K | 7.94% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC - GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HUMANA | $3K | — | $3K | 2.50% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NORTHWEST FWY STE 265 HOUSTON, TX 77040 | HUMANA | $2K | — | $2K | 1.69% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NORTHWEST FWY STE 265 HOUSTON, TX 77040 | HUMANA | $974 | — | $974 | 0.70% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 12.06% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NORTHWEST FWY STE 265 HOUSTON, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.94% |
| DIGITAL INSURANCE LLC3 | 200 GALLERAI PKWY SE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 13.16% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NORTHWEST FWY STE 265 HOUSTON, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 6.84% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 13.70% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NORTHWEST FWY STE 265 HOUSTON, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.30% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.72% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NORTHWEST FWY STE 265 HOUSTON, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.28% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC - GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303395946 | HUMANA | $2K | — | $2K | 8.37% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC - GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303395946 | HUMANA | $1K | — | $1K | 4.83% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NW FWY STE 265 HOUSTON, TX 77040 | HUMANA | $499 | — | $499 | 1.80% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NW FWY STE 265 HOUSTON, TX 77040 | HUMANA | $375 | — | $375 | 1.35% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.07% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NORTHWEST FWY STE 265 HOUSTON, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.93% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE LLLC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 303393182 | THE LINCOLN NATIONAL INSURANCE COMPANY | — | $997 | $997 | 24.49% |
| MICHAEL ANDREW RIVERA3 | 13201 NW FWY STE 265 HOUSTON, TX 770406165 | THE LINCOLN NATIONAL INSURANCE COMPANY | $601 | — | $601 | 14.76% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 399 | $1.7M |
| Dental(2 contracts) | HUMANA | 435 | $166K |
| Vision | HUMANA | 435 | $138K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 343 | $119K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $95K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $40K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.