| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | UNKNOWN ATLANTA, GA 30030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $0 | $11K | 1.14% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $7K | $0 | $7K | 2.83% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY ATLANTA, GA 30339 | EXPRESS SCRIPTS, INC. | $952 | $0 | $952 | 0.40% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 12.94% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY ATLANTA, GA 30339 | UNITED AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 4.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 5.38% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 300 GALLERIA PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.01% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $53 | $0 | $53 | 0.29% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 78 | $163K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 415 | $999K |
| Vision | VISION SERVICE PLAN | 185 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $98K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $98K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 78 | $235K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.