| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $24K | $549 | $25K | 5.24% |
| DAVID MORRIS3 | INSURANCE RESOURCES DALLAS, TX 75248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.17% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 6.62% |
| WILLIAM LEROY VINCENT3 | 2501 CHAMBRAY LANE MANSFIELD, TX 76063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $891 | $237 | $1K | 2.44% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $628 | $98 | $726 | 1.57% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | $68 | $298 | 0.65% |
| SULEIKA BLOOM3 | 152 LAKERIDGE DRIVE DALLAS, TX 75218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $20 | $238 | 0.52% |
| SHANNON PIERCE3 | 1051 TRAPPERS COVE CORDOVA, TN 38018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.08% |
| NATIONAL LABOR BENEFITS3 | 2255 GLADES ROAD SUITE 324 A BOCA RATON, FM 33431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RUBEN D PEREZ3 | 6352 ALCORN AVENUE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | — | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.14% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC DBA ONEDIGITA | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $357 | — | $357 | 7.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | ACE AMERICAN INSURANCE COMPANY | $245 | — | $245 | 8.47% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 87 | $469K |
| Dental(2 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 23 | $22K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 21 | $3K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $46K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 122 | $19K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 122 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.