| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | — | $622K | $622K | 4.68% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $113K | — | $113K | 3.67% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $80K | $51K | $130K | 11.46% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS | 325 N. KIRKWOOD ROAD KIRKWOOD, MO 63122 | GUARDIAN | $34K | — | $34K | 3.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $65K | $24K | $89K | 12.55% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $25K | $10K | $34K | 12.66% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $23K | $9K | $32K | 12.63% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 3.85% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $11K | — | $11K | 12.73% |
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 | 1,505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,635 | $16.4M |
| Dental | GUARDIAN | 1,276 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,504 | $789K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 810 | $355K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,505 | $255K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 550 | $3.2M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,504 | $789K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,635 | — |
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.