| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | 2839 PACES FERRY ROAD SE SUITE 830 ATLANTA, GA 30339 | HCC LIFE INSURANCE COMPANY | $14K | — | $14K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $648 | $8K | 10.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA GROUP INSURANCE | $4K | $984 | $5K | 18.45% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | CIGNA GROUP INSURANCE | $4K | $733 | $4K | 18.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 16.72% |
| PLANSOURCE BENEFIT ADMINISTRATION Filed as: PLANSOURCE BENEFIT ADMINISTRATOR | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $790 | — | $790 | 3.34% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | CIGNA GROUP INSURANCE | $3K | $608 | $3K | 18.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA GROUP INSURANCE | $1K | — | $1K | 20.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | CIGNA GROUP INSURANCE | $1K | — | $1K | 20.01% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA ROSENFELD EINSTEIN P.O. BOX 5145 GREENVILLE, SC 29606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 4.39% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 1.02% |
| KEITH TOBIAS3 | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.59% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 104 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 104 | $71K |
| Life insurance | CIGNA GROUP INSURANCE | 111 | $19K |
| Short-term disability | CIGNA GROUP INSURANCE | 53 | $24K |
| Long-term disability | CIGNA GROUP INSURANCE | 111 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 104 | $1.1M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 111 | $278K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.