| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $27K | $30K | 3.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $27K | $30K | 3.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOC 1040 MERIDEN, CT 06450 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 0.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 7.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 3440 PRESTON RIDGE RD #325 ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 8.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $761 | — | $761 | 5.53% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 3440 PRESTON RIDGE RD #325 ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | $483 | — | $483 | 3.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINA BEACH, VA 23466 | STANDARD LIFE INSURANCE COMPANY | — | $841 | $841 | 7.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD LIFE INSURANCE COMPANY | $644 | — | $644 | 5.85% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 3440 PRESTON RIDGE RD #325 ALPHARETTA, GA 30005 | STANDARD LIFE INSURANCE COMPANY | $517 | — | $517 | 4.69% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $846K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $846K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $846K |
| Life insurance | STANDARD INSURANCE COMPANY | 106 | $14K |
| Short-term disability | STANDARD LIFE INSURANCE COMPANY | 106 | $11K |
| Long-term disability | STANDARD INSURANCE COMPANY | 33 | $29K |
| Other | STANDARD INSURANCE COMPANY | 106 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.