| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS- DENVER CO | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $122K | $139K | 4.70% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.17% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $19K | $38K | 17.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 1.68% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS- DENVER CO | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 9.58% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS- DENVER CO | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41ST STREET SUITE A GAINESVILLE, FL 32606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 3.65% |
| JESSE DUANE DAVIS3 | 2164 UNITY TRAIL NW MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 3.34% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ANNE FELL | 775 PROVIDENCE ISLAND COURT JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 2.06% |
| ALLISON JAMIE TAMARES3 | 9041 COUNTRY MILL LANE JACKSONVILLE, FL 32222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 1.03% |
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 | 428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 731 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $152K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 472 | $221K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 472 | $221K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 472 | $221K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 731 | $2.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 472 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 731 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.