| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 9954 MARYLAND DRIVE, SUITE 2200 HENRICO, VA 23233 | SHICK PPO | $12K | — | $12K | 0.69% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 9954 MARYLAND DRIVE, SUITE 2200 HENRICO, VA 23233 | SENTARA HEALTH PLAN | $9K | — | $9K | 0.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 9954 MARYLAND DRIVE, SUITE 2200 HENRICO, VA 23233 | SENTARA ADVANTAGE POS M/C | $7K | — | $7K | 0.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 9954 MARYLAND DRIVE, SUITE 2200 HENRICO, VA 23233 | SENTARA HEALTH PLAN | $6K | — | $6K | 0.69% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 9954 MARYLAND DRIVE, SUITE 2200 HENRICO, VA 23233 | SENTARA ADVANTAGE POS M/C | $3K | — | $3K | 0.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF VIRGINIA | $10K | — | $10K | 2.48% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 4.12% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $2K | — | $2K | 3.50% |
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 | 542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | SHICK PPO | 281 | $5.5M |
| Dental | DELTA DENTAL OF VIRGINIA | 1,016 | $388K |
| Vision | VISION SERVICE PLAN | 363 | $55K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 537 | $344K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 537 | $344K |
| Other | HARTFORD LIFE AND ACCIDENT | 537 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,016 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.