| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $71K | $29K | $100K | 14.87% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY LLC | 200 GALLERIA PKWY ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 4.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $16K | $35K | 9.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $12K | $27K | 9.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | VISION SERVICE PLAN | $14K | — | $14K | 5.92% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | RELIASTAR LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST. SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $18K | $18K | 8.00% |
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 | 1,474 | 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) | 1,474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 64 | $581K |
| Vision | VISION SERVICE PLAN | 1,138 | $234K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,431 | $672K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,427 | $292K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,428 | $390K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,431 | $901K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,431 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.