| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | EXCELLUS BLUECROSS BLUESHIELD | $68K | — | $68K | 3.79% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | GUARDIAN | $62 | $483 | $545 | — |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | GUARDIAN | $14K | $586 | $15K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIGITAL INSURANCE, INC. EIN 58-2522668 NONE | Insurance agents and brokers Service code 22 | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | $0 |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 169 | $1.8M |
| Dental | GUARDIAN | 194 | $0 |
| Life insurance | GUARDIAN | 254 | $0 |
| Short-term disability | GUARDIAN | 254 | $0 |
| Long-term disability | GUARDIAN | 254 | $0 |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 169 | $1.8M |
| Other | GUARDIAN | 254 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.