| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY #300 ATLANTA, GA 30339 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $42K | $3K | $45K | 2.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $4K | — | $4K | 0.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $3K | $12K | 7.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $913 | $5K | 11.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $695 | $4K | 19.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $390 | $3K | 18.65% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $202 | $1K | 12.29% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $540 | $72 | $612 | 18.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $150 | — | $150 | 15.00% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 237 | $2.0M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 237 | $2.0M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 237 | $2.0M |
| Life insurance(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 124 | $178K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 124 | $178K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 67 | $55K |
| Other(7 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 124 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.