| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $21K | $99K | 12.77% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $13K | $45K | 5.81% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.42% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73K | $0 | $73K | 41.94% |
| ANDREW DAVID KOWN3 | 6130 RIVER SHORE PARKWAY ATLANTA, GA 30328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.03% |
| AUDREY C TROTTIE3 Filed as: AUDREY CAROLYN TROTTIE | 2382 CLIFTON SPRINGS ROAD DECATUR, GA 30034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.03% |
| CHARISSA JAMES LAWAL3 | 400 BELMONT PLACE SE UNIT 2342 SMYRNA, GA 30080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.03% |
| KEITH ANTHONY KLEINE3 | 2216 SPRUCEWOOD DRIVE ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76 | $0 | $76 | 6.21% |
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 | 486 | 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) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,143 | $775K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,143 | $775K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,143 | $775K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,143 | $775K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,143 | $775K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,143 | $950K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,143 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.