| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE LLC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $162K | $177K | 5.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE LLC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $13K | $49K | 19.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWAY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 18.87% |
| STEVEN D ZITOMER3 | 11550 OLD GEORGETOWN RD APT 316 NORTH BETHESDA, MD 20852 | AFLAC | $192 | — | $192 | 4.29% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | AFLAC | $114 | — | $114 | 2.55% |
| STEVEN T MEARS II3 | 26 OVERBROOK RD BALTIMORE, MD 21228 | AFLAC | $57 | — | $57 | 1.27% |
| POTOMAC INSURANCE INC3 | 1803 RESEARCH BLVD STE 604 ROCKVILLE, MD 20850 | AFLAC | $44 | — | $44 | 0.98% |
| MELISSA WYMAN3 | 402 SHERMAN AVE FREDERICK, MD 20850 | AFLAC | $37 | — | $37 | 0.83% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $3.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $3.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $258K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $258K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
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.