| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INS. DBA ONE DIGITAL HEALTH | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $27K | $1K | $28K | 9.92% |
| ENROLLEASE3 Filed as: DIGITAL INS. DBA ONE DIGITAL HEALTH | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $774 | $5K | 13.84% |
| ENROLLEASE3 Filed as: DIGITAL INS. DBA ONE DIGITAL HEALTH | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $436 | $4K | 17.00% |
| ENROLLEASE3 Filed as: DIGITAL INS. DBA ONE DIGITAL HEALTH | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $813 | $80 | $893 | 16.48% |
| ENROLLEASE3 Filed as: DIGITAL INS. DBA ONE DIGITAL HEALTH | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $288 | $58 | $346 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Float revenue; Participant communication; Claims processing; Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Named fiduciary Service code 12 | — | $11K |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 142 | $282K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 142 | $282K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 142 | $282K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $25K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 58 | $39K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 58 | $44K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.