| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 8.30% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.73% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.19% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY ATLANTA, GA 30339 | VISION SERVICE PLAN | $2K | — | $2K | 4.29% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.56% |
| RUEBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| EPIC3 Filed as: EPIC INC | ONE CALIFORNIA ST SAN FRANCISCO, CA 94111 | FEDERAL INSURANCE COMPANY | $940 | — | $940 | 15.00% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 180 | $127K |
| Vision | VISION SERVICE PLAN | 112 | $37K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $82K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $43K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.