| 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 | $167K | $167K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | $21K | $4K | $25K | 2.28% |
| JAMES R HELLMUTH3 | 909 ROSE AVE STE 700 NORTH BETHESDA, MD 20852 | SYMETRA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.11% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 6.19% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $3K | $7K | 4.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $2K | — | $2K | 4.19% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $186 | — | $186 | 0.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $187 | $2K | 10.51% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | $560 | $56 | $616 | 14.81% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 264 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $141K |
| Vision | VISION SERVICE PLAN | 129 | $37K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 221 | $1.1M |
| Short-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 221 | $1.1M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 221 | $1.1M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 221 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
No prospect flags tripped on this filing.