| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $79K | — | $79K | 5.25% |
| DIGITAL INSURANCE LLC3 | 200 GALLLERIA PKWY ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $8K | $12K | 2.99% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $926 | $13K | 10.70% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 400 GALLEERIA PKWY #300 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS OF MAINE, INC. | $3K | $53 | $3K | 5.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 13.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $532 | $6K | 16.48% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $552 | $5K | 16.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 14.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $791 | $3K | 13.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $354 | $4K | 16.53% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $132 | $2K | 16.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $108 | $1K | 16.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE INC STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $373 | $133 | $506 | 13.56% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $47 | $2 | $49 | 10.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 ADMINISTRATION FEES | Contract Administrator Service code 13 | — | $74K |
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 | 292 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $1.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 329 | $176K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 329 | $176K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $64K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $65K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $61K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.