| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE GROUP INSURANCE COMPANY | — | $22K | $22K | 0.36% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $107K | $8K | $115K | 15.37% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | SAFEGUARD HEALTH PLANS, INC. | $1K | $113 | $1K | 14.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLEXFACTS FSA ADMIN | Contract Administrator; Claims processing Service code 12 | 1200 RIVER AVE. SUITE 10E LAKEWOOD, NJ 08701 | $6K |
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 | 1,305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE GROUP INSURANCE COMPANY | 516 | $6.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,305 | $758K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,305 | $748K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,305 | $748K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,305 | $748K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,305 | $748K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,305 | $748K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,305 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.