| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE | 200 GALLEERIA PARKWAY ATLANTA, GA 30339 | INNOVATION HEALTH AETNA LIFE INSURANCE COMPANY | $47K | — | $47K | 2.56% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCELLC | 200 GALLEERIA PARKWAY ATLANTA, GA 24393 | UHC | $4K | — | $4K | 4.74% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE | 200 GALLEERIA PARKWAY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COM | $1K | $1K | $3K | 5.31% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE | 200 GALLEERIA PARKWAY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COM | $3K | $500 | $4K | 17.40% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE | 200 GALLEERIA PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO | $796 | — | $796 | 10.10% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE | 200 GALLEERIA PARKWAY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COM | $730 | $120 | $850 | 17.47% |
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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UHC | 240 | $90K |
| Vision | AETNA LIFE INSURANCE CO | 185 | $8K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COM | 208 | $74K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COM | 208 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.