| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $56K | $15K | $71K | 16.80% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST. COLUMBIA, SC 292012939 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.02% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | -$5 | -$5 | -0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES EIN 56-2056821 N/A | Contract Administrator Service code 13 | — | $83K |
| ADVOSEE EIN 85-4312283 BROKER | Insurance agents and brokers Service code 22 | — | $41K |
| MAIN STREET FINANCIAL GROUP EIN 56-2185489 BROKER | Insurance agents and brokers Service code 22 | — | $41K |
| DIGITAL INSURANCE EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | -$484 |
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 | 415 | 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) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 535 | $421K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 535 | $421K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 535 | $421K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 535 | $421K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 535 | $421K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 201 | $339K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 535 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.