| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $1K | $4K | 0.28% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | GREATER GEORGIA LIFE INSURANCE COMPANY | $15K | $3K | $19K | 13.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | GREATER GEORGIA LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $1K | $575 | $2K | 9.51% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $671 | $0 | $671 | 3.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30339 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | -$11 | $0 | -$11 | -0.06% |
| DARIN M REESER3 | — | COMBINED INSURANCE | $5K | $0 | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLEXCARE, LLC EIN 02-0715461 TELEMEDICINE | Claims processing Service code 12 | 3340 PEACHTREE ROAD NE SUITE 1525 ATLANTA, GA 30326 | $11K |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $1.5M |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 124 | $20K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 190 | $137K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 190 | $137K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 190 | $137K |
| Other | COMBINED INSURANCE | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.