| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKY SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 1.14% |
| DIGITAL INSURANCE LLC | 200 GALLARIA PKWY STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE COMPANY | — | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC | 200 GALLARIA PKWY STE 1950 ATLANTA, GA 30339 | CIGNA HEALTHCARE OF CONNECTICUT INC | $2K | — | $2K | 4.55% |
| DIGITAL INSURANCE LLC | 200 GALLARIA PKWY STE 1950 ATLANTA, GA 30339 | CIGNA DENTAL HEALTH OF OHIO INC | $32 | — | $32 | 3.74% |
| DIGITAL INSURANCE LLC | 200 GALLARIA PKWY STE 1950 ATLANTA, GA 30339 | CIGNA DENTAL HEALTH OF MARYLAND INC | $8 | — | $8 | 800.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | — |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE CO | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 03339 | UNUM LIFE INSURANCE COMPANY | $19K | — | $19K | — |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | — |
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 | 982 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 982 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 982 | $1.3M |
| Short-term disability | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | 4 | $0 |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 982 | $1.3M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 982 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 982 | — |
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.