| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | — | BLUE CROSS BLUE SHIELD OF TEXAS | $73K | $0 | $73K | 3.20% |
| DIGITAL INSURANCE LLC3 | 200 GALLARIA PWKY SE STE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $39K | $41K | 3.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 12.03% |
| GIS BENEFITS INC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $22K | $22K | 11.75% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $4K | $18K | 12.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.67% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | — | COMBINED INSURANCE | $14K | $0 | $14K | 54.00% |
| DIGITAL INSURANCE LLC3 | — | COMBINED INSURANCE | $2K | $0 | $2K | 9.20% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.73% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 23.94% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $815 | $2K | 15.23% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $739 | $3K | 20.59% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | — | COMBINED INSURANCE | $1K | $0 | $1K | 12.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | COMBINED INSURANCE | $483 | $0 | $483 | 5.94% |
| A MORROW VENTURES LLC3 | 3604 BARBERRY DR WYLIE, TX 75098 | AFLAC | $878 | $71 | $949 | 11.94% |
| DIGITAL INSURANCE LLC3 | 851 INTERNATIONAL PKWY STE 120 RICHARDSON, TX 75081 | AFLAC | $450 | $0 | $450 | 5.66% |
| KENNETH SUITER3 Filed as: KENNETH DEAN SUTTOR | 6804 ALCOVE LN PLANO, TX 75024 | AFLAC | $180 | $12 | $192 | 2.42% |
| TALHA ZAQUIR RAHMAN3 | 10973 PRESCOTT DR FRISCO, TX 75033 | AFLAC | $158 | $12 | $170 | 2.14% |
| SUZANNE LEWIS3 | 101 E PARK BLVD PLANO, TX 75074 | AFLAC | $41 | $0 | $41 | 0.52% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $27 | $0 | $27 | 0.34% |
| DAVID MARTIN GUSTAFSON3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $6 | $0 | $6 | 0.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PWKY SUITE 1950 ATLANTA, GA 30339 | AETNA INTERNATIONAL | $100 | $0 | $100 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Insurance agents and brokers; Consulting (general); Plan Administrator; Claims processing 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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 391 | $3.5M |
| Dental(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 156 | $333K |
| Vision(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 156 | $203K |
| Life insurance(3 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 156 | $220K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 156 | $208K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 156 | $214K |
| Other(6 contracts, 4 carriers) | COMBINED INSURANCE | 171 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.