| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, NC 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | — | $37K | 8.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.00% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $862 | — | $862 | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX INC EIN 33-0441200 PHARMACY BENEFIT MANAGMEN | Other fees; Direct payment from the plan; Claims processing; Float revenue Service code 12 | — | $2.2M |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $307K |
| CIGNA HEALTH AND LIVE INSURANCE CO EIN 59-1031071 | Named fiduciary; Participant communication; Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | — | $32K |
| ONEDIGITAL EIN 58-2522668 BROKER | Other commissions Service code 55 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 303395946 | $21K |
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 | 958 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 987 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,201 | $66K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 563 | $47K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 456 | $233K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 398 | $458K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 703 | $352K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 326 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,201 | — |
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.