| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VXTRA PARTNERS5 Filed as: VXTRA HEALTH | 2700 CUMBERLAND PARKWAY STE 140 ATLANTA, GA 30339 | VXTRA HEALTH | — | $115K | $115K | 9.70% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | VXTRA HEALTH | $94K | — | $94K | 8.00% |
| PHCS0 Filed as: MULTIPLAN, INC | PO BOX 2930 NEW YORK, NY 10097 | VXTRA HEALTH | — | $72K | $72K | 6.13% |
| WEX HEALTH, INC.0 Filed as: WEX HEALTH INC | 82 HOPEMEADOWN STREET STE 220 SIMSBURY, CT 06089 | VXTRA HEALTH | — | $8K | $8K | 0.65% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF NEW MEXICO | $11K | — | $11K | 6.05% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.86% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $2K | — | $2K | 4.39% |
| EMPLOYEE NAVIGATOR, LLC5 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $102 | — | $102 | 0.30% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $834 | — | $834 | 14.99% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $800 | — | $800 | 14.99% |
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 | 264 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | VXTRA HEALTH | 0 | $1.2M |
| Dental | DELTA DENTAL OF NEW MEXICO | 420 | $185K |
| Vision | VISION SERVICE PLAN | 221 | $34K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 264 | $40K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 264 | $78K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 216 | $1.2M |
| Other(8 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 564 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.