| 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 | $14K | $0 | $14K | 4.94% |
| WESLEY STEVEN SPIRO3 | 3438 PEACHTREE ROAD NE, SUITE 1200 PHIPPS TOWER ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $7K | $2K | $10K | 8.87% |
| DAVID HARRIS ASBURY3 Filed as: DAVID H. ASBURY | 3438 PEACHTREE ROAD NE, SUITE 1200 PHIPPS TOWER ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $4K | $909 | $5K | 4.18% |
| GOODWIN WRIGHT INC3 | 3438 PEACHTREE ROAD NE, SUITE 1200 PHIPPS TOWER ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $3K | $311 | $3K | 2.69% |
| JOHN RAY RICHARDSON3 Filed as: JOHN L S FAY | 3435 PEACHTREE ROAD NE, SUITE 1200 PHIPPS TOWER ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $2K | $837 | $3K | 2.60% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $592 | $5K | 16.82% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $757 | $180 | $937 | 6.27% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $63 | $63 | 0.42% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $618 | $142 | $760 | 18.46% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $2 | $2 | 0.05% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $190 | $0 | $190 | 10.64% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN GENERAL INSURANCE COMPANY | $199 | $0 | $199 | 12.49% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 71 | $286K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 35 | $15K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 31 | $2K |
| Life insurance | NORTHWESTERN MUTUAL | 175 | $108K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 31 | $30K |
| Long-term disability | NORTHWESTERN MUTUAL | 175 | $108K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 71 | $286K |
| Other(5 contracts, 5 carriers) | NORTHWESTERN MUTUAL | 175 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.