| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $62K | — | $62K | 10.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | $26K | $66K | 13.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $17K | $43K | 13.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 200 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $10K | $26K | 13.21% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE, INC. - VA | 200 GALLERIA PKWY SE #1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $7K | — | $7K | 8.42% |
| ENROLLEASE3 Filed as: ONE DIGITAL - GLEN ALLEN, VA | 200 GALLERIA PKWY SE #1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $820 | — | $820 | 1.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCES INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 13.35% |
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 | 964 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,320 | $613K |
| Dental | DELTA DENTAL OF VIRGINIA | 0 | $0 |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,508 | $690K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 964 | $196K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 964 | $320K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 964 | $512K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,320 | $613K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,320 | $613K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 964 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,508 | — |
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.