| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | 2839 PACES FERRY RD SE STE 830 ATLANTA, GA 303395770 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $71K | $71K | 7.00% |
| DIGITAL INSURANCE LLC3 | C/O DIGITAL INSURANCE 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | RELIASTAR LIFE INSURANCE COMPANY | $40K | $0 | $40K | 4.00% |
| DIGITAL INSURANCE LLC3 | 9781 S. MERIDIAN BLVD STE 110 ENGLEWOOD, CO 80112 | SYMETRA LIFE INSURANCE COMPANY | $369 | $0 | $369 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPUSYS OF COLORADO EIN 84-0721304 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $124K |
| SPENCER FANE LLP EIN 44-0561981 NONE | Legal; Direct payment from the plan Service code 29 | — | $76K |
| BHA CONSULTING LLC EIN 26-1384808 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $60K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $36K |
| MCMORGAN & COMPANY LLC EIN 52-2334338 NONE | Investment management; Investment advisory (plan); Direct payment from the plan Service code 27 | — | $15K |
| DIGITAL INSURANCE LLC DBA ONEDIGITA EIN 58-2522668 NONE | Insurance agents and brokers Service code 22 | — | $0 |
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 | 407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,210 | $45K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 512 | $4K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 416 | $1.0M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 512 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,210 | — |
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."
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.
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.