| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PRKWY STE 1100 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | — | $48K | 10.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 21ST FLOOR PLAINVILLE, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 7.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SERVICES LLC | PO BOX 9101 PLAINVIEW, NY 11803 | ANTHEM HEALTH PLANS, INC. | $3K | $938 | $3K | 3.75% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PRKWY STE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS, INC. | $2K | — | $2K | 2.70% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PRKWY STE 1100 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.02% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | STANDARD INSURANCE COMPANY | $939 | — | $939 | 5.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | VISION SERVICE PLAN | $575 | — | $575 | 4.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 300 GALLERIA PRKWY SE STE 1100 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $301 | — | $301 | 2.22% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $472K |
| Dental | ANTHEM HEALTH PLANS, INC. | 251 | $92K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $486K |
| Life insurance | STANDARD INSURANCE COMPANY | 260 | $55K |
| Long-term disability | STANDARD INSURANCE COMPANY | 205 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.