| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $156K | $44 | $156K | 1.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $3K | $20K | 4.81% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD STE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $20K | $7K | $27K | 20.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS DBA NW BEN CORP OF GA | 3333 RIVERWOOD PKWY SE-STE 400 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | — | $7K | $7K | 5.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $18K | $6K | $24K | 20.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS LLC-DBA NW BEN CORP GA | 3333 RIVERWOOD PKWY SE-STE 400 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE-STE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | — | $3K | $3K | 5.91% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE - STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $2K | — | $2K | 3.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS LLC DBA NW BEN CORP GA | 3333RIVERWOOD PKWY SE-STE 400 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE- STE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $398 | $398 | 5.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS LLC DBA NW BEN CORP GA | 3333 RIVERWOOD PLWY SE-STE 400 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $839 | — | $839 | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $737 | — | $737 | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $92 | — | $92 | 14.98% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $77 | — | $77 | 14.92% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $321 | — | $321 | 143.30% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD STE 9000 CINCINNATI, OH 45236 | EYEMED VISION CARE | $22 | — | $22 | 9.82% |
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 | 469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 945 | $8.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,439 | $412K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 364 | $48K |
| Life insurance(5 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 938 | $193K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 520 | $132K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 940 | $118K |
| Other(5 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 469 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,439 | — |
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."
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.