| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $27K | $8K | $35K | 19.56% |
| MILES CONNOR BULLARD3 | 6 FULLBRIGHT DRIVE SE ROME, GA 30125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 22.96% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 10.63% |
| ANDREW DAVID KOWN3 | 6130 RIVER SHORE PARKWAY ATLANTA, GA 30328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 5.97% |
| FRAN C HARGARTEN III3 Filed as: FRAN C. HARGARTEN III | 96015 LONG BEACH DRIVE FERNANDINA BEACH, FL 32034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | UNKNOWN CONYERS, GA 30013 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 854.40% |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $2K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $2K |
| Life insurance | GUARDIAN | 316 | $177K |
| Short-term disability | GUARDIAN | 316 | $177K |
| Long-term disability | GUARDIAN | 316 | $177K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 316 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.
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.