| 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 | $93K | — | $93K | 2.40% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.51% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 4.87% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.77% |
| CLJM LLC3 | DBA HUNTLEIGH MCGEHEE 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 631051643 | METLIFE LEGAL PLANS | $1K | — | $1K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $167 | $2K | 19.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTAD, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $306 | $306 | 4.04% |
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 | 386 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 703 | $3.9M |
| Dental | AETNA LIFE INSURANCE CO | 703 | $3.9M |
| Vision | AETNA LIFE INSURANCE CO | 703 | $3.9M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $106K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $84K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 386 | $104K |
| Other(2 contracts, 2 carriers) | METLIFE LEGAL PLANS | 370 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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.
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.