| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | OPTIMA ADVANTAGE POS M/C | $13K | — | $13K | 0.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | OPTIMA HEALTH INSURANCE COMPANY | $11K | — | $11K | 0.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | OPTIMA HEALTH PLAN | $7K | — | $7K | 0.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | OPTIMA ADVANTAGE POS M/C | $4K | — | $4K | 0.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF VIRGINIA | $9K | — | $9K | 2.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 4.61% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 2.13% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE HYDE LAWSON | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPNAY | $11K | — | $11K | 10.34% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPNAY | $6K | — | $6K | 6.28% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON RD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPNAY | $5K | — | $5K | 4.60% |
| MRM & ASSOCS OF AMERICA LTD3 Filed as: MRM AND ASSOCIATES | 762 CHAPEL RIDGE DR. PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPNAY | $1K | — | $1K | 1.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 400 GALLERIA PARKWAY, STE 300 ATLANTA, GA 303393182 | VISION SERVICE PLAN | $2K | — | $2K | 3.82% |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | OPTIMA ADVANTAGE POS M/C | 341 | $5.0M |
| Dental | DELTA DENTAL OF VIRGINIA | 996 | $383K |
| Vision | VISION SERVICE PLAN | 315 | $47K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 523 | $295K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 523 | $295K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 523 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 996 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.