| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKY SE, SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | — | $5K | $5K | 0.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE | $2K | $4K | $6K | 14.33% |
| COLONIAL BROKERAGE HOUSE INC3 | 1000 JEFFERSON ST. SUITE 1D LYNCHBURG, VA 24504 | GENWORTH FINANCIAL | $35 | — | $35 | 2.69% |
| JAMES HOWARD WATSON3 | P.O. BOX 8097 ROANOKE, VA 24014 | GENWORTH FINANCIAL | $4 | — | $4 | 0.31% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 354 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE | 372 | $43K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 71 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.