| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $29K | $35K | 3.88% |
| THE REAVES AGENCY LLC3 | 851 INTERNATIONAL PKWY #120 RICHARDSON, TN 75081 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $14K | $16K | 1.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY #1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERCIA | $2K | $0 | $2K | 7.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 851 INTERNATIONAL PKWY #120 RICHARDSON, TN 75081 | LIFE INSURANCE COMPANY OF NORTH AMERCIA | $2K | $0 | $2K | 7.32% |
| A MORROW VENTURES LLC3 | 851 INTERNATIONAL PKWY #120 RICHARDSON, TN 75081 | AFLAC | $2K | $306 | $3K | 10.23% |
| DIGITAL INSURANCE LLC3 | 851 INTERNATIONAL PKWY #120 RICHARDSON, TX 75081 | AFLAC | $1K | $0 | $1K | 5.20% |
| KENNETH SUITER3 | 6804 ALCOVE LANE PLANO, TX 75024 | AFLAC | $812 | $61 | $873 | 3.51% |
| NANCY E ODOM3 Filed as: NANCY ODOM | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $652 | $61 | $713 | 2.87% |
| TAMI J. MEADOWS3 Filed as: TAMI MEADOWS | 14065 ZIPPO WAY HASLET, TX 76052 | AFLAC | $73 | $0 | $73 | 0.29% |
| CAROL S POOLE3 Filed as: CAROL POOLE | PO BOX 13 MANISTIQUE, MI 49854 | AFLAC | $38 | $0 | $38 | 0.15% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA MCNAUGHTON | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $17 | $0 | $17 | 0.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY #1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 7.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 851 INTERNATIONAL PKWY #120 RICHARDSON, TX 75081 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 7.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY #1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 7.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 851 INTERNATIONAL PKWY #120 RICHARDSON, TX 75081 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 7.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY #1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $106 | $0 | $106 | 8.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 851 INTERNATIONAL PKWY #120 RICHARDSON, TN 75081 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $103 | $0 | $103 | 7.86% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $898K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $898K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $23K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERCIA | 0 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $14K |
| Other(3 contracts, 2 carriers) | AFLAC | 49 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.