| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | — | $76K | 4.75% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 9.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 400 GALLEERIA PKWY #300 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS OF MAINE, INC. | $3K | $848 | $4K | 7.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $462 | $462 | 1.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $353 | $353 | 1.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $296 | $296 | 1.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $927 | — | $927 | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $94 | $94 | 1.52% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE INC STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $314 | — | $314 | 9.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $71 | — | $71 | 10.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3 | $3 | 0.42% |
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 | 308 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 260 | $1.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $192K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $192K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $58K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $56K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $52K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $23K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.