| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIE CAPE3 Filed as: JULIE CAPE DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SOUTHWEST SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $73K | — | $73K | 6.37% |
| LOUIS RITTER & ASSOCIATES3 | 6710A ROKLEDGE DRIVE SUITE 400-2 BETHESDA, MD 20817 | CAREFIRST BLUE CROSS BLUE SHIELD | $8K | — | $8K | 3.00% |
| LOUIS RITTER & ASSOCIATES3 | 6710A ROKLEDGE DRIVE SUITE 400-2 BETHESDA, MD 20817 | CAREFIRST BLUE CROSS BLUE SHIELD | $8K | — | $8K | 2.94% |
| LOUIS RITTER & ASSOCIATES3 | 6710A ROKLEDGE DRIVE SUITE 400-2 BETHESDA, MD 20817 | CAREFIRST BLUE CROSS BLUE SHIELD | $6K | — | $6K | 2.19% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PRKWY SE ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $4K | $14K | 14.52% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHWEST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $3 | $4K | $4K | 4.26% |
| LOUIS RITTER & ASSOCIATES3 | 6710A ROKLEDGE DRIVE SUITE 400-2 BETHESDA, MD 20817 | CAREFIRST BLUE CROSS BLUE SHIELD | $3K | — | $3K | 3.59% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PKWY SE ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.70% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHWEST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.33% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PKWY SE ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $883 | $5K | 20.19% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHWEST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.50% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PKWY SE ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $742 | $4K | 19.74% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHWEST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.42% |
| ENROLLEASE3 Filed as: ONEDIGITAL HEALTH AND BENEFITS | 200 GALLERIA PARKWAY SOUTHWEST SUITE 1950 ATLANTA, GA 30339 | HEALTHIESTYOU C/O TELADOC HEALTH INC | $2K | — | $2K | 15.00% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PKWY SE ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $440 | $3K | 19.52% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHWEST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $720 | $720 | 5.41% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PKWY SE ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $233 | $2K | 22.35% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHWEST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $492 | $492 | 5.00% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PKWY SE ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $202 | $2K | 22.40% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHWEST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $423 | $423 | 5.00% |
| LOUIS RITTER & ASSOCIATES3 | 6710A ROKLEDGE DRIVE SUITE 400-2 BETHESDA, MD 20817 | KAISER MID ATLANTIC | $182 | — | $182 | 3.03% |
| LOUIS RITTER & ASSOCIATES3 | 6710A ROKLEDGE DRIVE SUITE 400-2 BETHESDA, MD 20817 | KAISER MID ATLANTIC | $130 | — | $130 | 2.69% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 173 | $2.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 263 | $100K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $27K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 141 | $21K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 67 | $24K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 37 | $13K |
| Other(3 contracts, 2 carriers) | HEALTHIESTYOU C/O TELADOC HEALTH INC | 100 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.