| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INS | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $16K | $21K | $37K | 8.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANATA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYEMED | $3K | — | $3K | 9.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP EIN 77-0385729 CONTRACT ADMINISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | P. O. BOX 45018 FRESNO, CA 937185018 | $111K |
| DIGITAL INSURANCE EIN 58-2522668 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $104K |
| CIGNA HEALTH AND LIFE INS. CO EIN 59-1031071 PPO/UR VENDOR | Direct payment from the plan; Other fees Service code 50 | — | $42K |
| IMPACT ONE HOLDINGS, LLC EIN 66-0894517 BROKER | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $21K |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $34K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 245 | $477K |
| Vision | EYEMED | 504 | $34K |
| Life insurance | GUARDIAN | 245 | $443K |
| Short-term disability | GUARDIAN | 245 | $443K |
| Long-term disability | GUARDIAN | 245 | $443K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 245 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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.