| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | $12K | $104K | 17.00% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $4K | $38K | 17.00% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $7K | $2K | $9K | 8.13% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $5K | $14K | $19K | 45.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GREAT-WEST LIFE & ANNUITY INSURANCE RECORDKEEPER | Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 8515 EAST ORCHARD ROAD GREENWOOD VILLAGE, CO 80111 | $151K |
| MORGAN STANLEY INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 1585 BROADWAY NEW YORK, NY 10036 | $59K |
| THE BENEFIT PRACTICE OTHER | Other fees Service code 99 | 1055 WASHINGTON BLVD. SUITE 540 STAMFORD, CT 06901 | $10K |
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 | 1,446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 146 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,892 | $8.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,892 | $8.9M |
| Vision | VISION SERVICE PLAN | 358 | $42K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 880 | $837K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 880 | $612K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 880 | $612K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,892 | $8.9M |
| Other(4 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,892 | $9.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,892 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.