| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $107K | — | $107K | 12.51% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP, LLC | 3555 RESERVE COMMONS DR. MEDINA, OH 44256 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 2.49% |
| DIGITAL INSURANCE LLC3 | — | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 13.29% |
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 | 4,641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,651 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 937 | $621K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7,233 | $2.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,358 | $506K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,599 | $833K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,604 | $592K |
| Other(7 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,599 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,233 | — |
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.