| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA3 Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $68K | $8K | $76K | 14.81% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MISSOURI | $10K | $1K | $11K | 10.70% |
| DIGITAL INSURANCE LLC3 | 200 GALERIA PARKWAY ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | $2K | $9K | 18.30% |
| DIGITAL INSURANCE LLC3 | 200 GALERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | $2K | $9K | 18.26% |
| DIGITAL INSURANCE LLC3 | 200 GALERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | $1K | $8K | 18.32% |
| DIGITAL INSURANCE LLC3 | 200 GALERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE | $6K | — | $6K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALERIA PARKWAY ATLANTA, GA 30339 | ADVANTICA INSURANCE COMPANY | $1K | $149 | $2K | 10.55% |
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 | 333 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $514K |
| Dental | DELTA DENTAL OF MISSOURI | 333 | $100K |
| Vision | ADVANTICA INSURANCE COMPANY | 245 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 172 | $45K |
| Short-term disability | STANDARD INSURANCE COMPANY | 172 | $48K |
| Long-term disability | STANDARD INSURANCE COMPANY | 172 | $48K |
| Other | UNUM LIFE INSURANCE | 165 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.