| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | — | $42K | 4.00% |
| EMERSON REID LLC3 | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 2.38% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303393182 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $704 | $6K | 7.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $660 | $3K | 10.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303393182 | LINCOLN LIFE & ANNUITY COMPANY | $2K | $363 | $3K | 17.28% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC - ACCT MGMT | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | EYEMED | $1K | — | $1K | 9.62% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303393182 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $219 | $1K | 14.24% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 STE 1650 ATLANTA, GA 303393182 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $710 | $138 | $848 | 17.92% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC - ACCT MGMT | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | EYEMED | $47 | — | $47 | 8.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLYHEALTH TELEMEDICINE PROVIDER | Other services Service code 49 | 1535 CHESTNUT STREET STE 100 PHILADELPHIA, PA 19102 | $4K |
| DIGITAL INSURANCE INC BROKER - TELEMEDICINE | Other commissions Service code 55 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | $806 |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 224 | $84K |
| Vision(2 contracts) | EYEMED | 174 | $14K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 207 | $10K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 206 | $29K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY | 207 | $16K |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 207 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.