| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $96K | $0 | $96K | 3.42% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | $4K | $26K | 13.63% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $5K | $677 | $6K | 4.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY ATLANTA, GA 30339 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.02% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD BETHESDA, MD 20814 | VISION SERVICE PLAN | $136 | $0 | $136 | 0.50% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 SOUTH KING STREET LEESBURG, VA 20175 | FEDERAL INSURANCE COMPANY | $735 | $63 | $798 | 16.28% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $234 | $0 | $234 | 10.00% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 204 | $2.8M |
| Dental | HUMANA INSURANCE COMPANY | 183 | $134K |
| Vision | VISION SERVICE PLAN | 123 | $27K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 204 | $194K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 204 | $194K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 159 | $2.8M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 204 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
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.