| 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 AND AFFILIATE | $30K | $152K | $183K | 1.68% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATE | $13K | $52K | $65K | 0.60% |
| JOE COSTA ASSOCIATES INC3 Filed as: JOE COSTA AND ASSOCIATE, INC. | 3001 MONROE HIGHWAY, SUITE 100B BOGART, GA 30622 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATE | $13K | $49K | $62K | 0.57% |
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PARKWAY SE SUITE 400 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC | $45K | $0 | $45K | 4.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $7K | $28K | 5.21% |
| JOE COSTA ASSOCIATES INC3 Filed as: JOE COSTA AND ASSOCIATE, INC. | 180 OAKBEND COURT ATHENS, GA 30606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $1K | $20K | 3.63% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 17.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.96% |
| JOE COSTA ASSOCIATES INC3 Filed as: JOE COSTA AND ASSOCIATE, INC. | 3001 MONROE HIGHWAY, SUITE 100 B BOGART, GA 30622 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE EB COMMISSION | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $149 | $1K | 4.73% |
| JOE COSTA ASSOCIATES INC3 Filed as: JOE COSTA AND ASSOCIATE, INC. | 3001 MONROE HIGHWAY, SUITE 100B BOGART, GA 30622 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 4.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN GENERAL INSURANCE COMPANY | $447 | $11 | $458 | 1.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 3001 MONOROE HIGHWAY, SUITE 100 B BOGART, GA 30622 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $72 | $72 | 0.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: PRECEPT, A DIVISION OF MCGRIFF INS | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $45 | $45 | 0.16% |
| MCGRIFF INSURANCE SERVICES INC3 | UNKNOWN PLEASANTON, CA 94588 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
| DIGITAL INSURANCE LLC3 | UNKNOWN ATLANTA, GA 30339 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
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 | 913 | 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) | 913 | 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 AND AFFILIATE | 762 | $11.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATE | 762 | $10.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATE | 762 | $10.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 913 | $537K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 913 | $537K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 913 | $537K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATE | 762 | $11.9M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 913 | $610K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 913 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.