| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $11K | $40K | 10.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $20K | — | $20K | 28.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $54 | $5K | 16.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNION SECURITY DENTALCARE OF GEORGIA INC | — | $812 | $812 | 6.23% |
| BARKING UP THE RIGHT TREE INC.4 | 6888 VICAR ROAD DORAVILLE, GA 30360 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 21.20% |
| MARIE E. FRATONI4 Filed as: MARIE E FRATONI | 5731 WESTERN HILLS DR NORCROSS, GA 30071 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $70 | — | $70 | 0.86% |
| PERCY STOKES4 | 2573 BRIERS NORTH DR ATLANTA, GA 30360 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $70 | — | $70 | 0.86% |
| JULIE D STAGGS4 | 901 ABERNATHY RD APT 4250 ATLANTA, GA 30328 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $19 | — | $19 | 0.23% |
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 | 412 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 319 | $470K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $406K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $393K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $393K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $463K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $393K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 319 | $400K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.