| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 215 WAYLES LANE STE 175 CHARLOTTESVILLE, VA 22911 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $4K | — | $4K | 2.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 4.59% |
| GOODRUM, PHILLIP, PORTER Filed as: GOODRUM, PHILIP, PORTER | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $916 | — | $916 | 2.94% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $703 | — | $703 | 2.26% |
| JAY E. BLACK Filed as: JAY E BLACK | 1400 MIDHURST CT BEL AIR, MD 21014 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.32% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 215 WAYLES LANE STE 175 CHARLOTTESVILLE, VA 22911 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | — | $3K | 16.58% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $251 | — | $251 | 7.36% |
| JAY E. BLACK Filed as: JAY E BLACK | 1400 MIDHURST CT BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $149 | — | $149 | 4.37% |
| ANNE MARIE BENT | 7551 ORCHID HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92 | — | $92 | 2.70% |
| SONIA A VIDAL-AWBREY | 2665 PROSPERITY AVE APT 113 FAIRFAX, VA 22031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92 | — | $92 | 2.70% |
| GOODRUM, PHILLIP, PORTER Filed as: GOODRUM, PHILIP, PORTER | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 1.29% |
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 | 698 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 698 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 520 | $40K |
| Life insurance(4 contracts, 3 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 698 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.