| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD STE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 15.00% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE LLC - STL | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MISSOURI | $5K | $107 | $5K | 10.31% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MISSOURI | $406 | $0 | $406 | 0.89% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $582 | $290 | $872 | 9.44% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD STE 1200 SAINT LOUIS, MO 63105 | GUARDIAN | $332 | $534 | $866 | 9.38% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $462 | $0 | $462 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $83K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $27K |
| DIGITAL INSURANCE, LLC BROKER | Insurance agents and brokers Service code 22 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | $19K |
| CLJM, LLC BROKER | Insurance agents and brokers Service code 22 | 8235 FORSYTH BOULEVARD SUITE 1200 ST. LOUIS, MO 63105 | $15K |
| CONNECTCARE 3 EIN 26-1768616 OTHER | Other services Service code 49 | — | $9K |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 206 | $46K |
| Vision | GUARDIAN | 109 | $9K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 176 | $65K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 176 | $65K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 176 | $65K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 137 | $200K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 176 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.