| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | DELTA DENTAL OF PENNSYLVANIA | $10K | — | $10K | 2.99% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.82% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $315 | — | $315 | 0.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | ALPHA DENTAL PROGRAMS, INC | $953 | — | $953 | 2.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATOR | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | 280 TRUMBULL ST HARTFORD, CT 06152 | $443K |
| DIGITAL INSURANCE INC EIN 58-2522668 BROKER | Other commissions; Insurance brokerage commissions and fees Service code 53 | 400 GALLERIA PKWY SE STE 300 ATLANTA, GA 30339 | $64K |
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 | 705 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SCOTT & WHITE HEALTH PLAN | 4 | $45K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF PENNSYLVANIA | 750 | $552K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 563 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.