| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $378K | $0 | $378K | 10.52% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $0 | $60K | $60K | 1.67% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | GUARDIAN | $176K | $89K | $265K | 15.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | GUARDIAN | $6K | $15K | $21K | 9.85% |
| ALTC FUNDING LLC | 16932 WOODINVILLE-REDMOND ROAD SUITE A-204 WOODINVILLE, WA 98072 | TRUSTMARK INSURANCE COMPANY | $65K | — | $65K | 54.00% |
| JOSHUA B RUDOLPH | 2473 DEER CREEK ROAD WESTON, FL 33327 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 9.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 6.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | FLEXCARE DIGITAL HEALTH | $12K | — | $12K | 13.33% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | ARAG INSURANCE COMPANY | $4K | $0 | $4K | 9.10% |
| MENDENHALL, MELWOOD, E3 | 3455 BRIDLE TRAIL MARIETTA, GA 30067 | ARAG INSURANCE COMPANY | $378 | $0 | $378 | 0.89% |
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 | 3,581 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 2,588 | $1.8M |
| Vision | GUARDIAN | 2,588 | $1.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,581 | $3.6M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,581 | $3.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,581 | $3.6M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 3,581 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,581 | — |
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.