| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | HEALTHKEEPERS, INC. | $15K | — | $15K | 1.70% |
| M T DONAHOE & ASSOCIATES INC3 Filed as: MT DONAHOE & ASSOC LLC | 9755 PATUXENT WOODS DR., SUITE 250 COLUMBIA, MD 21046 | HEALTHKEEPERS, INC. | $7K | $405 | $7K | 0.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $15K | — | $15K | 24.45% |
| M T DONAHOE & ASSOCIATES INC3 | 9755 PATUXENT WOODS DR., SUITE 250 COLUMBIIA, MD 21046 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $7K | $405 | $7K | 11.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $439 | $3K | 10.52% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOCIATES FINANCIAL | 1445 RESEARCH BLVD., SUITE 340 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $109 | $1K | 4.49% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $971 | $129 | $1K | 13.17% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOCIATES FINANCIAL | 1445 RESEARCH BLVD. SUITE 340 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $517 | $36 | $553 | 6.62% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOCIATES FINANCIAL SERVIC | 1445 RESEARCH BLVD., SUITE 340 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 24.24% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $441 | $59 | $500 | 12.17% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOCIATES FINANCIAL | 1445 RESEARCH BLVD., SUITE 340 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $238 | $17 | $255 | 6.21% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 87 | $865K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 112 | $60K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 112 | $60K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $38K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18 | $4K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $30K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.