| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $47K | — | $47K | 9.57% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $20K | $20K | 3.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $7K | $995 | $8K | 17.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $4K | $879 | $5K | 11.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM ST. GREENSBORO, NC 27455 | UNUM INSURANCE COMPANY | $2K | — | $2K | 5.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | — | $533 | $533 | 1.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $733 | $5K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM ST. GREENSBORO, NC 27455 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 27.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $130 | $1K | 6.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $373 | $373 | 1.76% |
| ENROLLEASE4 Filed as: DIGITAL INSURANCE INS | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 17.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $1K | $280 | $2K | 9.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM ST GREENSBORO, NC 27455 | UNUM INSURANCE COMPANY | $1K | — | $1K | 7.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | — | $271 | $271 | 1.67% |
| DIGITAL INSURANCE LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 86.38% |
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $104 | — | $104 | 2.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 CLAIMS ADMINISTRATOR | Direct payment from the plan; Named fiduciary; Non-monetary compensation; Participant communication; Float revenue; Other services; Claims processing; Contract Administrator Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $266K |
| CIGNA | Direct payment from the plan; Participant communication; Contract Administrator; Claims processing; Float revenue; Non-monetary compensation; Other services; Named fiduciary Service code 12 | — | $0 |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $4K |
| Vision(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 360 | $41K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 418 | $513K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 418 | $492K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 418 | $492K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $4K |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 458 | $632K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.