| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | OXFORD HEALTH INSURANCE, INC | $70K | $0 | $70K | 3.86% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 3.19% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD STE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $2K | $4K | 13.83% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $0 | $1K | 3.58% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY # 1950 ATLANTA, GA 303393182 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $482 | $482 | 1.54% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD STE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $992 | $996 | $2K | 12.11% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $717 | $0 | $717 | 4.37% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY # 1950 ATLANTA, GA 303393182 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $263 | $263 | 1.60% |
| ENROLLEASE3 Filed as: ONE DIGITAL - NEW YORK, NY | 200 GALLERIA PKY #1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 NONE | Contract Administrator Service code 13 | — | $14K |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 217 | $1.8M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 211 | $134K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 253 | $16K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 238 | $16K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 235 | $31K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 238 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.