| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $542 | $88K | $89K | 5.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 303395940 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $24K | — | $24K | 11.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF PENNSYLVANIA | $10K | — | $10K | 10.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL - ATLANTA, GA | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 14.10% |
| ENROLLEASE3 Filed as: ONE DIGITAL - RICHMOND, VA | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $967 | — | $967 | 5.05% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $1.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 330 | $102K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $1.8M |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 266 | $205K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 266 | $205K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 266 | $205K |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 266 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.