| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA | $13K | $53K | $66K | 5.22% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | CIGNA | $0 | $28K | $28K | 2.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLARIA PWKY STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 16.60% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $712 | $3K | 4.61% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLARIA PWKY STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 16.50% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $572 | $2K | 4.58% |
| A MORROW VENTURES LLC3 | 3604 BARBERRY DR WYLIE, TX 75098 | AFLAC | $2K | $110 | $2K | 8.15% |
| DIGITAL INSURANCE LLC3 | 851 INTERNATIONAL PKWY #120 RICHARDSON, TX 75081 | AFLAC | $1K | $0 | $1K | 3.86% |
| KENNETH SUITER3 Filed as: KENNETH DEAN SUITER | 6804 ALCOVE LANE PLANO, TX 75024 | AFLAC | $478 | $0 | $478 | 1.76% |
| TALHA ZAQUIR RAHMAN3 | 10973 PRESCOTT DR FRISCO, TX 75033 | AFLAC | $287 | $26 | $313 | 1.15% |
| NANCY E ODOM3 Filed as: NANCY ODOM | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $213 | $0 | $213 | 0.78% |
| SUZANNE LEWIS3 | 101 E PARK BLVD PLANO, TX 75074 | AFLAC | $139 | $26 | $165 | 0.61% |
| TAMI J. MEADOWS3 Filed as: TAMI J MEADOWS | 14065 ZIPPO WAY HASLET, TX 76052 | AFLAC | $75 | $0 | $75 | 0.28% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLARIA PWKY STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 16.56% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $705 | $278 | $983 | 4.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLARIA PWKY SE STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $267 | $0 | $267 | 16.52% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54 | $20 | $74 | 4.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROGERS BENEFIT GROUP INC ADMINISTRATOR | Contract Administrator Service code 13 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | $3K |
| DIGITAL INSURANCE LLC ADMINISTRATOR | Contract Administrator Service code 13 | 200 GALLARIA PWKY STE 1950 ATLANTA, GA 30339 | $2K |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 221 | $1.3M |
| Dental | CIGNA | 221 | $1.3M |
| Vision | CIGNA | 221 | $1.3M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 272 | $57K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 90 | $72K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 82 | $21K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 272 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.