| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 720 OLD SNELLVILLE HIGHWAY SUITE 200 LAWRENCEVILLE, GA 30044 | UNION SECURITY INSURANCE COMPANY | $8K | $919 | $9K | 4.18% |
| FIRST NATIONAL INSURANCE3 | 12 FEDERAL STREET 1 NORTH SHORE CENTER PITTSBURGH, PA 15212 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 1.24% |
| JAMES ALEXANDER3 | 9510 CLUB VALLEY ROAD RALEIGH, NC 27617 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $42K | — | $42K | 20.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 15153 TECHNOLOGY DRIVE EDEN PRAIRIE, MN 55344 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 14.25% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET PITTSBURGH, PA 15212 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.59% |
| AXA ASSISTANCE, USA3 Filed as: AXA ASSISTAMCE. USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $102 | $102 | 0.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 4.31% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 246 | $218K |
| Vision | VISION SERVICE PLAN | 130 | $25K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 268 | $61K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 268 | $61K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 255 | $203K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 268 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.