| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | — | $1K | $1K | 0.05% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE COMPANY | $19K | — | $19K | 6.39% |
| DIGITAL INSURANCE LLC3 | — | DELTA DENTAL OF CALIFORNIA | $28K | — | $28K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $3K | — | $3K | 7.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF NEW HAMPSHIR EIN 02-0510530 SERVICE PROVIDER | Float revenue; Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $148K |
| DIGITAL INSURANCE EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
| MATTHEW THORNTON HEALTH PLANS EIN 02-0494919 SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Claims processing; Contract Administrator Service code 12 | — | $0 |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 473 | $278K |
| Vision | VISION SERVICE PLAN | 178 | $37K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 269 | $303K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 269 | $303K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 269 | $303K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 419 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.