| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $83K | $4K | $86K | 3.93% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $11K | $53K | 13.39% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $5K | $25K | 6.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 5.15% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $448 | — | $448 | 20.01% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FEDERAL INSURANCE COMPANY | $336 | — | $336 | 15.01% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 377 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 650 | $393K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 650 | $393K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 650 | $393K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 650 | $393K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 650 | $393K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 25 | $168K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 650 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.