| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | HEALTH CARE SERVICE CORPORATION | $52K | $0 | $52K | 5.86% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY #1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERCIA | $4K | $0 | $4K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY #1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 15.00% |
| A MORROW VENTURES LLC3 | 851 INTERNATIONAL PKWY #120 RICHARDSON, TN 75081 | AFLAC | $2K | $247 | $3K | 9.73% |
| DIGITAL INSURANCE LLC3 | 851 INTERNATIONAL PKWY #120 RICHARDSON, TX 75081 | AFLAC | $1K | $0 | $1K | 4.70% |
| KENNETH SUITER3 | 6804 ALCOVE LANE PLANO, TX 75024 | AFLAC | $748 | $49 | $797 | 3.09% |
| NANCY E ODOM3 Filed as: NANCY ODOM | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $582 | $49 | $631 | 2.45% |
| TAMI J. MEADOWS3 Filed as: TAMI MEADOWS | 14065 ZIPPO WAY HASLET, TX 76052 | AFLAC | $75 | $0 | $75 | 0.29% |
| CAROL S POOLE3 Filed as: CAROL POOLE | PO BOX 13 MANISTIQUE, MI 49854 | AFLAC | $26 | $0 | $26 | 0.10% |
| 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 | $3K | $0 | $3K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY #1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $219 | $0 | $219 | 14.99% |
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 | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 140 | $893K |
| Dental(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 140 | $972K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $79K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $26K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERCIA | 0 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $17K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 53 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.