| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURNACE INC | 200 GALERIA PARKWAY SUITE 1950 ATLANTA, GA 30039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 5.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.07% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, LLC | 6 CONCOURSE PKWY STE 2750 ATLANTA, GA 30328 | VISION SERVICE PLAN | $1K | — | $1K | 2.34% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST COLUMBIA, SC 29201 | CIGNA HEALH AND LIFE INSURANCE COMPANY | $13K | $1K | $15K | 39.13% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 16.11% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PKWY SUITE 2750 ATLANTA, GA 30328 | CIGNA HEALH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 7.45% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST COLUMBIA, SC 29201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $1K | $13K | 40.23% |
| DIGITAL INSURANCE LLC3 | 200 GALERIA PKWY, SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 16.45% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, LLC | 6 CONCOURSE PKWY SUITE 2750 ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 7.91% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST COLUMBIA, SC 29201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $448 | $5K | 39.53% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 16.08% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PKWY SUITE 2750 ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $956 | — | $956 | 7.82% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $383 | — | $383 | 5.38% |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 452 | $179K |
| Vision | VISION SERVICE PLAN | 219 | $44K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 328 | $54K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 253 | $116K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $106K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 328 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.