| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 12.77% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BOULEVARD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 16.13% |
| DIGITAL INSURANCE LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 16.58% |
| CHARLES L CRANE AGENCY CO3 | — | ASSURITY LIFE INSURANCE COMPANY | $67 | — | $67 | 0.36% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BOULEVARD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BOULEVARD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BOULEVARD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $325 | — | $325 | 14.98% |
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 | 89 | 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) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 76 | $62K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 76 | $62K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 86 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 25 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 86 | $15K |
| Other(4 contracts, 3 carriers) | QBE INSURANCE | 86 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 86 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.