| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $75K | $75K | 4.31% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $22K | $22K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | 3438 PEACHTREE ROAD NE, SUITE 1100 ATLANTA, GA 30326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $7K | $25K | 12.41% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.78% |
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PARKWAY, SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $432 | $0 | $432 | 0.22% |
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PARKWAY, SUITE 400 ATLANTA, GA 30339 | METROPOLOTIAN LIFE INSURANCE COMPANY | $8K | $1K | $10K | 9.46% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLOTIAN LIFE INSURANCE COMPANY | $5K | $975 | $6K | 5.44% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | METROPOLOTIAN LIFE INSURANCE COMPANY | $2K | $71 | $2K | 1.89% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | METROPOLOTIAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.08% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLOTIAN LIFE INSURANCE COMPANY | $0 | $240 | $240 | 0.23% |
| DANIEL J WISTED3 Filed as: DANIEL J. WISTED | 3440 PRESTON RIDGE ROAD ALPHARETTA, GA 30005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $193 | $2K | 16.99% |
| DAVID HARRIS ASBURY3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $591 | $0 | $591 | 5.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $287 | $0 | $287 | 2.53% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $1.8M |
| Dental(2 contracts, 2 carriers) | METROPOLOTIAN LIFE INSURANCE COMPANY | 327 | $139K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 213 | $46K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $198K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $198K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $209K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $1.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.