| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $1K | $13K | 9.78% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 3333 RIVERWOOD PKAY SUITE 400 ATLANTA, GA 30338 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $9K | 19.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $8K | 19.44% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 12.66% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 18.86% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $711 | $150 | $861 | 19.37% |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 263 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 714 | $133K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 501 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 308 | $30K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 308 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 308 | $45K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 308 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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."
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.