| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $9K | $15K | 10.15% |
| PETER JONES3 | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 20.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | EYEMED VISION CARE, FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES,INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 9700 HEALTH CARE LANE MINNETONKA, MN 55343 | $235K |
| DIGITAL INSURANCE EIN 58-2522668 BROKER | Other commissions Service code 55 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | $50K |
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 | 759 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE, FIDELITY SECURITY LIFE INSURANCE COMPANY | 568 | $33K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $71K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 408 | $144K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.