| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC 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 LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 5.41% |
| GOODRUM, PHILLIP, PORTER Filed as: GOODRUM, PHILIP, PORTER | 6230 FAIRVIEW RD STE 210 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | $801 | — | $801 | 2.70% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | $596 | — | $596 | 2.01% |
| JAY E. BLACK Filed as: JAY E BLACK | 1400 MIDHURST CT BEL AIR, MD 21014 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | $78 | — | $78 | 0.26% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 215 WAYLES LANE STE 175 CHARLOTTESVILLE, VA 22911 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | — | $2K | 8.98% |
| GOODRUM, PHILLIP, PORTER Filed as: GOODRUM, PHILIP, PORTER | 6230 FAIRVIEW RD STE 210 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY | $29 | — | $29 | 6.07% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY | $19 | — | $19 | 3.97% |
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 | 657 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 497 | $39K |
| Life insurance(4 contracts, 3 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 657 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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."
No prospect flags tripped on this filing.