| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PARKWAY SE SUITE 400 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $15K | $0 | $15K | 5.01% |
| WESLEY STEVEN SPIRO3 | 3438 PEACHTREE ROAD NE, SUITE 1200 PHIPPS TOWER ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $7K | $2K | $9K | 8.86% |
| DAVID HARRIS ASBURY3 Filed as: DAVID H ASBURY | 3438 PEACHTREE ROAD NE, SUITE 1200 PHIPPS TOWER ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $3K | $843 | $4K | 4.06% |
| JOHN RAY RICHARDSON3 Filed as: JOHN L S FAY | 3438 PEACHTREE ROAD NE, SUITE 1200 PHIPPS TOWER ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $2K | $855 | $3K | 2.78% |
| GOODWIN WRIGHT INC3 | 3438 PEACHTREE ROAD NE, SUITE 1200 PHIPPS TOWER ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $2K | $297 | $3K | 2.69% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $760 | $6K | 16.86% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $845 | $320 | $1K | 7.14% |
| DIGITAL INSURANCE LLC4 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $932 | $239 | $1K | 18.86% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $188 | $188 | 3.03% |
| DIGITAL INSURANCE LLC4 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $330 | $0 | $330 | 12.63% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $195 | $0 | $195 | 10.01% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 57 | $308K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 30 | $16K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 28 | $2K |
| Life insurance | NORTHWESTERN MUTUAL | 188 | $103K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $38K |
| Long-term disability | NORTHWESTERN MUTUAL | 188 | $103K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 57 | $308K |
| Other(5 contracts, 5 carriers) | NORTHWESTERN MUTUAL | 188 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.