| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $48K | $48K | 1.80% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GROUP BENEFITS | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $26K | $26K | 0.99% |
| O'BRIEN BENEFITS & FINANCIAL SRVCS3 Filed as: O'BRIEN BENEFIT & FINANCIAL SVC | PO BOX 2636 PURCELLVILLE, VA 20134 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $26K | $26K | 0.99% |
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PKWY SE SUITE 400 ATLANTA, GA 303393304 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $4K | $15K | 6.77% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $135 | $10K | 4.66% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GRP BENEFITS & FINANCL SER | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 201553094 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.44% |
| OBRIEN BENEFITS & FINANCIAL SER3 | PO BOX 2636 PURCELLVILLE, VA 201344636 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.97% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GRP BEN AND FIN SVCS LLC | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 3.63% |
| O'BRIEN BENEFITS & FINANCIAL SRVCS3 Filed as: O'BRIEN BENEFITS & FINANCIAL SVC | PO BOX 2636 PURCELLVILLE, VA 20134 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 3.63% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 3333 RIVERWOOD PKWY SE SUITE 400 ATLANTA, GA 303393304 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 3.56% |
| ALEX SANGWON LEE3 | 10306 EATON PL STE 420 FAIRFAX, VA 22030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $928 | — | $928 | 0.86% |
| DIGITAL INSURANCE LLC3 | DBA NORTHWESTERN BENEFIT CORP OF GA 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.04% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GRP BEN & FIN SVCS LLC | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.29% |
| O'BRIEN BENEFITS & FINANCIAL SRVCS3 Filed as: O'BRIEN BENEFITS & FINANCIAL SERVIC | PO BOX 2636 PURCELLVILLE, VA 20134 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.29% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.16% |
| ALEX SANGWON LEE3 | 10306 EATON PL STE 420 FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD NE SUITE 1100 ATLANTA, GA 30326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $118 | $118 | 0.16% |
| DIGITAL INSURANCE LLC7 | DBA NORTHWESTERN BENEFIT CORP OF GA 3333 RIVERWOOD PKWY SE STE-400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GRP BEN AND FIN SVCS LLC | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.30% |
| O'BRIEN BENEFITS & FINANCIAL SRVCS3 Filed as: O'BRIEN BENEFITS & FINANCIAL SERVIC | PO BOX 2636 PURCELLVILLE, VA 20134 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.30% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.64% |
| ALEX SANGWON LEE3 | 10306 EATON PL STE 420 FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $988 | — | $988 | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD NE SUITE 1100 ATLANTA, GA 30326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $112 | $112 | 0.16% |
| DIGITAL INSURANCE LLC3 | DBA NORTHWESTERN BENEFIT CORP OF GA 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.20% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GRP BEN AND FIN SVCS LLC | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.57% |
| O'BRIEN BENEFITS & FINANCIAL SRVCS3 Filed as: O'BRIEN BENEFITS & FINANCIAL SERVIC | PO BOX 2636 PURCELLVILLE, VA 20134 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.57% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.87% |
| ALEX SANGWON LEE3 | 10306 EATON PL STE 420 FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $750 | — | $750 | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD NE SUITE 1100 ATLANTA, GA 30326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $104 | $104 | 0.16% |
| DIGITAL INSURANCE LLC3 | DBA NORTHWESTERN BENEFIT CORP OF GA 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.29% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GRP BEN & FIN SVCS LLC | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.24% |
| O'BRIEN BENEFITS & FINANCIAL SRVCS3 Filed as: O'BRIEN BENEFITS & FINANCIAL SERVIC | PO BOX 2636 PURCELLVILLE, VA 20134 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.24% |
| ALEX SANGWON LEE3 | 10306 EATON PL STE 420 FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $660 | — | $660 | 1.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT BENEFIT CO GA | 3438 PEACHTREE RD NE SUITE 1100 ATLANTA, GA 30326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $58 | $58 | 0.13% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 3333 RIVERWOOD PKWY SE SUITE 400 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.18% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| DIGITAL INSURANCE LLC3 | DBA NORTHWESTERN BENEFIT CORP OF GA 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $950 | — | $950 | 3.54% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GRP BEN & FIN SVCS LLC | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $720 | — | $720 | 2.68% |
| O'BRIEN BENEFITS & FINANCIAL SRVCS3 Filed as: O'BRIEN BENEFITS & FINANCIAL SERVIC | PO BOX 2636 PURCELLVILLE, VA 20134 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $720 | — | $720 | 2.68% |
| ALEX SANGWON LEE3 | 10306 EATON PL STE 420 FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $294 | — | $294 | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT BENEFIT CO GA | 3438 PEACHTREE RD NE SUITE 1100 ATLANTA, GA 30326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $46 | $46 | 0.17% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| DIGITAL INSURANCE LLC3 | DBA NORTHWESTERN BENEFIT CORP OF GA 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $815 | — | $815 | 3.49% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GRP BEN & FIN SVCS LLC | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $657 | — | $657 | 2.81% |
| O'BRIEN BENEFITS & FINANCIAL SRVCS3 Filed as: O'BRIEN BENEFITS & FINANCIAL SERVIC | PO BOX 2636 PURCELLVILLE, VA 20134 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $657 | — | $657 | 2.81% |
| ALEX SANGWON LEE3 | 10306 EATON PL STE 420 FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $208 | — | $208 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT BENEFIT CO GA | 3438 PEACHTREE RD NE SUITE 1100 ATLANTA, GA 30326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $46 | $46 | 0.20% |
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 | 432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 368 | $2.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 812 | $323K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 604 | $27K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 420 | $108K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 419 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 420 | $74K |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 368 | $2.8M |
| Other(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 420 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.