| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $76K | — | $76K | 4.59% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $311 | $311 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $32K | — | $32K | 9.99% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY LLC | 200 GALLERIA PKWY ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | — | $9K | 3.65% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $14K | $14K | 8.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATION, | 101 S GARLAND AVE ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 1.56% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY LLC | 200 GALLERIA PKWY ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN, INC. | $776 | — | $776 | 4.66% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | DELTA DENTAL OF VIRGINIA | $962 | — | $962 | 7.09% |
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 | 1,801 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 17 | $276K |
| Dental | DELTA DENTAL OF VIRGINIA | 19 | $14K |
| Vision | VISION SERVICE PLAN | 1,230 | $318K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,801 | $1.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,801 | $1.7M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,801 | $1.7M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,801 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,801 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.