| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF TEXAS | $103K | $1K | $104K | 3.62% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $7K | $26K | 13.66% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 21.81% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 21.67% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 21.72% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.71% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.98% |
| A MORROW VENTURES LLC3 | 3604 BARBERRY DR WYLIE, TX 75098 | AFLAC | $950 | $33 | $983 | 11.14% |
| DIGITAL INSURANCE LLC3 | 851 INTERNATIONAL PKWY STE 120 RICHARDSON, TX 75081 | AFLAC | $486 | $0 | $486 | 5.51% |
| KENNETH SUITER3 Filed as: KENNETH DEAN SUTTOR | 6804 ALCOVE LN PLANO, TX 75024 | AFLAC | $176 | $3 | $179 | 2.03% |
| TALHA ZAQUIR RAHMAN3 | 10973 PRESCOTT DR FRISCO, TX 75033 | AFLAC | $159 | $8 | $167 | 1.89% |
| SUZANNE LEWIS3 | 101 E PARK BLVD PLANO, TX 75074 | AFLAC | $61 | $5 | $66 | 0.75% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $41 | $0 | $41 | 0.46% |
| DAVID MARTIN GUSTAFSON3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $13 | $0 | $13 | 0.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Consulting (general); Claims processing; Insurance agents and brokers; Plan Administrator Service code 12 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $3K |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 382 | $2.9M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $187K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $38K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.