| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $90 | $241K | $241K | 5.99% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $8K | $16K | 5.83% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $5K | $5K | 6.99% |
| DIGITAL INSURANCE LLC3 | DBA NORTHWESTERN BENEFIT CORP OF GA 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $0 | $5K | 6.38% |
| DIGITAL INSURANCE LLC3 | DBA NORTHWESTERN BENEFIT CORP OF GA 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $0 | $5K | 9.11% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: DIGITAL INSURACE LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $3K | $3K | 6.70% |
| DIGITAL INSURANCE LLC3 | DBA NORTHWESTERN BENEFIT CORP OF GA 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.14% |
| ROBERT D WOLF3 | 511 GRASSMERE AVE INTERLAKEN, NJ 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $58 | $0 | $58 | 0.20% |
| JAMES M. MCCARTHY3 Filed as: JAMES M MCCARTHY | 1 PENN PLZ STE 2035 C/O EMPIRE STATE BENEFITS LLC NEW YORK, NY 100192035 | METROPOLITAN LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.09% |
| DIGITAL INSURANCE LLC3 | DBA NORTHWESTERN BENEFIT CORP OF GA 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.71% |
| DIGITAL INSURANCE LLC3 | DBA NORTHWESTERN BENEFIT CORP OF GA 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $924 | $0 | $924 | 10.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $620 | $620 | 6.71% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 242 | $4.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $282K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $282K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 254 | $70K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 104 | $71K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 254 | $50K |
| Other(4 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 254 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
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.