| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $36K | $44 | $36K | 2.95% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 21.72% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 106043512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| IMA, INC.7 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $801 | — | $801 | 4.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $511 | — | $511 | 2.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $259 | — | $259 | 1.29% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 106043512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $952 | $952 | 5.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYE MED) | $2K | — | $2K | 14.95% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $455 | $2K | 21.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 106043512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $355 | $355 | 5.00% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 212 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 212 | $1.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYE MED) | 196 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $19K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.