| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $18K | $42K | 1.61% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE. 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | $55K | $118K | 7.86% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $74K | — | $74K | 5.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | C/O DIGITAL INSURANCE 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | RELIASTAR LIFE INSURANCE COMPANY | $73K | — | $73K | 9.03% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE, INC.-ATLANTA,GA | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | EYEMED | $17K | — | $17K | 3.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE. 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $1 | $2K | 0.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $1K | $34K | 19.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | ZURICH AMERICAN INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $1K | $29K | 19.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE. 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC | $582 | — | $582 | 0.49% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $715 | $19K | 19.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE. 1950 ATLANTA, GA 30339 | METLIFE LEGAL PLANS OF FLORIDA | $8K | $641 | $9K | 10.82% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE, INC.-ATLANTA,GA | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | EYEMED | $178 | — | $178 | 2.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | ZURICH AMERICAN INSURANCE COMPANY | $399 | — | $399 | 9.99% |
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 | 3,416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 95 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,162 | $885K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,466 | $2.6M |
| Vision(2 contracts) | EYEMED | 5,595 | $477K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,420 | $1.5M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,905 | $1.3M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,905 | $1.3M |
| Other(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,420 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,466 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.