| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $8K | $27K | 2.62% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $15K | — | $15K | 11.87% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE - STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $2K | — | $2K | 2.89% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 72 SHARP STREET-UNIT C12 HINGHAM, MA 02043 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PARKWAY-STE 1950 ATLANTA, GA 30339 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 72 SHARP STREET-UNIT C12 HINGHAM, MA 02043 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA LIFE INSURANCE OF NEW YORK | $718 | — | $718 | 12.00% |
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 | 854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,710 | $1.0M |
| Vision | VISION SERVICE PLAN | 631 | $75K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 854 | $128K |
| Short-term disability(2 contracts) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 486 | $54K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 854 | $27K |
| Other(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 854 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,710 | — |
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.