| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $344K | — | $344K | 2.71% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $88K | — | $88K | 2.76% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $152K | $69K | $220K | 18.87% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $161K | $22K | $183K | 86.88% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS | 325 N. KIRKWOOD ROAD KIRKWOOD, MO 63122 | GUARDIAN | -$24K | — | -$24K | -11.37% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65K | — | $65K | 63.51% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $747 | — | $747 | 2.33% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $152 | — | $152 | 3.07% |
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 | 1,297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,330 | $15.9M |
| Dental | GUARDIAN | 1,129 | $211K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 1,297 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 1,297 | $1.3M |
| Long-term disability | GUARDIAN | 1,297 | $1.2M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 509 | $3.2M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 1,297 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,330 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.