| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | C/O DIGITAL INSURANCE 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395948 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $8K | $16K | 3.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 N TRYON ST STE 2500 CHARLOTTE, NC 282022381 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 3.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30330 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 28.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF NC | 301 S TRYON STREET SUITE 2600 CHARLOTTE, NC 28282 | AETNA INTERNATIONAL | $2K | — | $2K | 8.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $291 | $147 | $438 | 28.19% |
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 | 652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INTERNATIONAL | 5 | $26K |
| Dental | AETNA INTERNATIONAL | 5 | $26K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 676 | $123K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 652 | $428K |
| Short-term disability(2 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 45 | $33K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 652 | $428K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 652 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.