| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE STE. 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $128K | $128K | 4.95% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE STE. 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $5K | 3.77% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 14.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.91% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $98 | $0 | $98 | 0.25% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $800 | $0 | $800 | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $84 | $84 | 1.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $13 | $13 | 0.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY STE 300 ATLANTA, GA 30339 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $13 | $13 | 0.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 19200 STEVENS CREEK BLVD STE 210 CUPERTINO, CA 950142530 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $1 | $1 | 0.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | $124 | $0 | $124 | 13.11% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 253 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $140K |
| Vision | VISION SERVICE PLAN | 127 | $39K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 153 | $109K |
| Short-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 153 | $109K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 153 | $109K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 153 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.