| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $12K | — | $12K | 4.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 19.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 19.30% |
| WESLEY STEVEN SPIRO3 | PHIPPS TOWER SUITE 1200 3438 PEACHTREE ROAD NE ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $2K | $445 | $2K | 7.59% |
| JOHN RAY RICHARDSON3 Filed as: JOHN LS FAY | PHIPPS TOWER SUITE 1200 3438 PEACHTREE ROAD NE ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $2K | $445 | $2K | 7.59% |
| GOODWIN WRIGHT INC3 | PHIPPS TOWER SUITE 1200 3438 PEACHTREE ROAD NE ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $586 | $70 | $656 | 2.35% |
| JOHN RAY RICHARDSON3 Filed as: JOHN M WHITE | PHIPPS TOWER SUITE 1200 3438 PEACHTREE ROAD NE ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $85 | $31 | $116 | 0.41% |
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $204 | $204 | 1.56% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $147 | — | $147 | 5.03% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $146 | — | $146 | 9.73% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GOODWIN WRIGHT, INC. | $146 | — | $146 | 9.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 1.83% |
| DIRECTPATH, LLC3 | 120 18TH STREET SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.70% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 75 | $249K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 51 | $13K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 29 | $3K |
| Life insurance | NORTHWESTERN MUTUAL | 159 | $28K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $57K |
| Long-term disability | NORTHWESTERN MUTUAL | 159 | $28K |
| Other(3 contracts, 3 carriers) | NORTHWESTERN MUTUAL | 159 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.