| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $159K | $159K | 4.17% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $11K | $41K | 7.07% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $7K | $37K | 6.38% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $6K | $18K | 8.25% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.03% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.82% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $8K | $2K | $10K | 24.52% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $6K | — | $6K | 14.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $6K | $1K | $7K | 24.64% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $4K | — | $4K | 14.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $4K | $1K | $5K | 24.61% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $3K | — | $3K | 14.71% |
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 | 443 | 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) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 597 | $3.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 872 | $578K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $221K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $221K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $221K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.