| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | HORIZON HEALTHCARE SERVICES, INC. | $393K | $0 | $393K | 2.41% |
| RUGGIERI, PHILIP3 | 355 LEXINGTON AVENUE NEW YORK, NY 10017 | HORIZON HEALTHCARE SERVICES, INC. | $131K | $0 | $131K | 0.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | HORIZON HEALTHCARE SERVICES, INC. | $70K | $0 | $70K | 1.81% |
| RUGGIERI, PHILIP3 | 355 LEXINGTON AVENUE NEW YORK, NY 10017 | HORIZON HEALTHCARE SERVICES, INC. | $23K | $0 | $23K | 0.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | $0 | $23K | 1.66% |
| RUGGIERI, PHILIP3 | 355 LEXINGTON AVENUE FLOOR #22 NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 0.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $41K | $0 | $41K | 8.81% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE NEW YORK, NY 100176603 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 1.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $20K | $0 | $20K | 7.04% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE NEW YORK, NY 100176603 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 0.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $18K | $0 | $18K | 8.99% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE NEW YORK, NY 100176603 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.29% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Claims processing; Contract Administrator Service code 12 | — | $41K |
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 | 2,396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 72 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 1,744 | $16.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,655 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,406 | $176K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,396 | $464K |
| Short-term disability | STANDARD INSURANCE COMPANY | 730 | $203K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,368 | $286K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 1,621 | $3.9M |
| Other | STANDARD INSURANCE COMPANY | 2,396 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,396 | — |
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.