| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | CONNECTCARE, INC. | $23K | — | $23K | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS OF CONNECTICUT INC | $2K | — | $2K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 6.88% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE COMPANY | $993 | — | $993 | 4.68% |
| JAMES T KINNEY3 | 1429 WARWICK AVE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 16.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS INC | $371 | — | $371 | 6.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY SUITE 300 ALANTA, GA 303393182 | ANTHEM HEALTH PLANS INC | $143 | $197 | $340 | 5.93% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTCARE, INC. | 85 | $586K |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT INC | 80 | $43K |
| Vision | ANTHEM HEALTH PLANS INC | 79 | $6K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 153 | $21K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 56 | $10K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 153 | $21K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 56 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.