| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $18K | $6K | $24K | 17.18% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | GUARDIAN | $6K | — | $6K | 4.17% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA BENEFITS CONSULTING LLC | 4700 SIX FORKS ROAD SUITE 200 RALEIGH, NC 27609 | GUARDIAN | $3K | — | $3K | 2.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 22.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS CO EIN 59-1031071 HLTH CARRIER PROVIDER | Participant communication; Claims processing; Other services; Float revenue; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $165K |
| DIGITAL INSURANCE INSURANCE BROKER | Insurance agents and brokers; Insurance services Service code 22 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $62K |
| SRA BENEFITS CONSULTING INSURANCE BROKER | Insurance services; Insurance agents and brokers Service code 22 | 4700 SIX FORKS ROAD SUITE 200 RALEIGH, NC 27609 | $10K |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $870K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $103K |
| Vision | GUARDIAN | 184 | $140K |
| Life insurance | GUARDIAN | 184 | $140K |
| Short-term disability | GUARDIAN | 184 | $140K |
| Long-term disability | GUARDIAN | 184 | $140K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 184 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
No prospect flags tripped on this filing.