| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $23K | $4K | $27K | 17.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $8 | $8 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 STE 1650 ATLANTA, GA 33039 | AMERITAS LIFE INSURANCE CORP. | $17K | $8K | $25K | 17.42% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 33039 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.75% |
| DIGITAL INSURANCE LLC3 | UNKNOWN CHARLOTTE, NC 28202 | TELADOC HEALTH, INC. | $1K | $0 | $1K | 15.00% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 344 | $1.9M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 349 | $142K |
| Vision | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | 285 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 178 | $160K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 178 | $160K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 178 | $160K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 344 | $1.9M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 178 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.