| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | OPTIMA HEALTH PLAN | $20K | $0 | $20K | 2.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | OHIC PPO | $4K | $0 | $4K | 1.89% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 5.03% |
| INTEGRATED BENEFIT CONCEPTS3 | 2208 OSTERLY COURT VIRGINIA BEACH, VA 23456 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 1.54% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY LC | UNKNOWN ATLANTA, GA 30339 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $482 | $6K | 7.35% |
| INTEGRATED BENEFIT CONCEPTS3 Filed as: INTEGRATED BENEFIT CONCEPTS INC | UNKNOWN BIRGINIA BEACH, VA 23456 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 1.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $582 | $0 | $582 | 3.78% |
| INTEGRATED BENEFIT CONCEPTS3 | 2208 OSTERLY COURT VIRGINIA BEACH, VA 23456 | VISION SERVICE PLAN | $369 | $0 | $369 | 2.40% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $79 | $0 | $79 | 0.51% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 150 | $1.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 247 | $78K |
| Vision | VISION SERVICE PLAN | 130 | $15K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $92K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $92K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $92K |
| Prescription drug(3 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 150 | $1.3M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.