| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE CORP | $19K | — | $19K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $498 | $18K | 15.44% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET STREET STE 1000 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $293 | $293 | 0.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $288 | $11K | 15.39% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET STREET STE 1000 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $179 | $179 | 0.24% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $262 | $10K | 15.42% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET STREET STE 1000 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $185 | $185 | 0.29% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $27 | $2K | 16.28% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET STREET STE 1000 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $24 | $24 | 0.16% |
| BENEFIT CO INC OF SOUTH CAROLINA3 Filed as: THE BENEFIT CO INC (BENEFITFIRST) | PO BOX 211486 COLUMBIA, SC 29221 | WELLFLEET INSURANCE COMPANY | $1K | — | $1K | 13.32% |
| ENROLLEASE3 Filed as: ONEDIGITAL (DIGITAL INSURANCE) | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | WELLFLEET INSURANCE COMPANY | $291 | — | $291 | 3.26% |
| BENEFIT CO INC OF SOUTH CAROLINA3 Filed as: THE BENEFIT CO INC (BENEFITFIRST) | PO BOX 211486 COLUMBIA, SC 29221 | WELLFLEET INSURANCE COMPANY | $833 | — | $833 | 13.27% |
| ENROLLEASE3 Filed as: ONEDIGITAL (DIGITAL INSURANCE) | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | WELLFLEET INSURANCE COMPANY | $194 | — | $194 | 3.09% |
| BENEFIT CO INC OF SOUTH CAROLINA3 Filed as: THE BENEFIT CO INC (BENEFITFIRST) | PO BOX 211486 COLUMBIA, SC 29221 | WELLFLEET INSURANCE COMPANY | $831 | — | $831 | 13.27% |
| ENROLLEASE3 Filed as: ONEDIGITAL (DIGITAL INSURANCE) | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | WELLFLEET INSURANCE COMPANY | $192 | — | $192 | 3.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $154 | — | $154 | 9.98% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET STREET STE 1000 CHATTANOOGA, TN 37402 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $67 | $67 | 4.34% |
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 | 433 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 765 | $191K |
| Vision | AMERITAS LIFE INSURANCE CORP | 765 | $191K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 433 | $115K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 433 | $75K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 433 | $63K |
| Stop-loss / reinsurancereinsurance | QBE INS CORP - STEALTH PARTNER GROUP | 321 | $580K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 433 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.