| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | CIGNA | $101K | — | $101K | 1.56% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | EXPRESS SCRIPTS, INC. | $11K | — | $11K | 1.49% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 5.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MD 63122 | UNUM LIFE INSURANCE CO. | $0 | $13K | $13K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE CO. | $5K | $5K | $10K | 3.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE CO. | $6K | $4K | $9K | 5.24% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE CO. | $0 | $9K | $9K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 17.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $6K | — | $6K | 10.04% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP INC | 10 TOWER LANE SUITE 100 AVON, CT 06001 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 6.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY #195 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SE SUITE 1950 ATLANTA, GA 30339 | CIGNA DENTAL HEALTH - VARIOUS STATES | $270 | — | $270 | 1.08% |
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 | 390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 190 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 742 | $6.5M |
| Dental(3 contracts, 3 carriers) | CIGNA | 742 | $6.6M |
| Vision | VISION SERVICE PLAN | 321 | $58K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE CO. | 390 | $409K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE CO. | 309 | $245K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA | 742 | $7.2M |
| Other(9 contracts, 8 carriers) | CIGNA | 742 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.