| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $81K | — | $81K | 5.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $2K | — | $2K | 7.58% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 20.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 21.28% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $408 | $100 | $508 | 7.52% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 300 GALLERIA PKWY SUITE 1100 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 21.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $247 | $365 | $612 | 18.84% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 137 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $88K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $88K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 178 | $27K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 137 | $1.6M |
| Other(6 contracts, 2 carriers) | USABLE LIFE | 178 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.