| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | UNKNOWN MARIETTA, GA 30060 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $1K | $1K | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER AND CAY LLC | 3050 PEACHTREE ROAD NW ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $31K | $31K | 3.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $16K | $16K | 1.61% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $3K | $0 | $3K | 4.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER AND CAY LLC | 3050 PEACHTREE ROAD NW ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $243 | $243 | 0.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $122 | $122 | 0.48% |
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 | 602 | 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) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 906 | $7.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 906 | $7.4M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,180 | $53K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 602 | $973K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 602 | $973K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 602 | $973K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 906 | $7.9M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 602 | $998K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,180 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.