| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $27K | $33K | 2.21% |
| THE TEXAS FINANCIAL GROUP3 | 1 RIVERWAY, STE 900 HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $26K | $32K | 2.12% |
| RISK & INSURANCE CONSULTANTS3 | 5416 GLENRIDGE DRIVE ATLANTA, GA 30342 | ACE AMERICAN INSURANCE COMPANY | $0 | $360 | $360 | 0.30% |
| THE TEXAS FINANCIAL GROUP3 | 1 RIVERWAY, STE 900 HOUSTON, TN 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $456 | $0 | $456 | 8.83% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $318 | $0 | $318 | 6.16% |
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 | 1,847 | 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) | 1,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $1.5M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $5K |
| Short-term disability | SPECIAL INSURANCE SERVICES, INC. | 1,847 | $11K |
| Other(3 contracts, 3 carriers) | ACE AMERICAN INSURANCE COMPANY | 1,847 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,847 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.