| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 300 GALLERIA PARKWAY, SUITE 1100 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $310 | $50K | $50K | 2.26% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $218 | $35K | $35K | 1.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 7.95% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 300 GALLERIA PARKWAY, SUITE 1100 ATLANTA, GA 30339 | DELTA DENTAL OF PENNSYLVANIA | $6K | $0 | $6K | 5.03% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | DELTA DENTAL OF PENNSYLVANIA | $6K | $0 | $6K | 4.97% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $3K | $0 | $3K | 17.82% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $3K | $0 | $3K | 17.82% |
| BRANDON SHOLAR3 Filed as: BRANDON W. SHOLAR | 4608 WESTGROVE COURT VIRGINIA BEACH, VA 23455 | AFLAC | $194 | $0 | $194 | 13.24% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS | 1405 GARWOOD AVENUE VIRGINIA BEACH, VA 23455 | AFLAC | $36 | $0 | $36 | 2.46% |
| NICHOLAS WAGNER3 | 6000 FAIRVIEW ROAD, SUITE 470 CHARLOTTE, NC 28210 | AFLAC | $30 | $0 | $30 | 2.05% |
| JESSICA M. GAINES & OTHERS3 | 10809 KING WILLIAM ROAD APARTMENT 4A AYLETT, VA 23009 | AFLAC | $26 | $0 | $26 | 1.77% |
| RONALD WAYNE WILKINS3 | 1154 PUMPKIN HILL ROAD HEATHSVILLE, VA 22473 | AFLAC | $16 | $0 | $16 | 1.09% |
| SUZANNE RACHELLE CRAWLEY3 | 3829 SOUTH PLAZA TRAIL VIRGINIA BEACH, VA 23452 | AFLAC | $13 | $0 | $13 | 0.89% |
| ANDREA L SHERMAN3 Filed as: ANDREA L. SHERMAN | 1348 FIVE FORKS ROAD VIRGINIA BEACH, VA 23452 | AFLAC | $8 | $0 | $8 | 0.55% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $2.2M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 328 | $116K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 299 | $2.2M |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 371 | $202K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 371 | $202K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 371 | $202K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $2.2M |
| Other(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 371 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.