| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 4.22% |
| MCGRIFF INSURANCE SERVICES INC3 | 3100 ROYAL BLVD SOUTH ALPHARETTA, GA 30022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $296 | — | $296 | 0.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 19.97% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 16.85% |
| MCGRIFF INSURANCE SERVICES INC3 | 3100 ROYAL BLVD SOUTH ALPHARETTA, GA 30022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $807 | — | $807 | 1.12% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.68% |
| MCGRIFF INSURANCE SERVICES INC3 | 3100 ROYAL BLVD SOUTH ALPHARETTA, GA 30022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $202 | — | $202 | 0.40% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL INSURANCE COMPANY | $3K | $806 | $3K | 9.26% |
| MCGRIFF INSURANCE SERVICES INC3 | 3100 ROYAL BLVD SOUTH ALPHARETTA, GA 30339 | THE LINCOLN NATIONAL INSURANCE COMPANY | $63 | — | $63 | 0.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 17.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $616 | — | $616 | 1.99% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $482 | $3K | 10.83% |
| MCGRIFF INSURANCE SERVICES INC3 | 3100 ROYAL BLVD SOUTH ALPHARETTA, GA 30022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $236 | — | $236 | 0.80% |
| BARKING UP THE RIGHT TREE INC.4 | 6888 VICAR ROAD DORAVILLE, GA 30360 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 18.08% |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $134K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $30K |
| Life insurance(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 437 | $189K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 437 | $117K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 438 | $81K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 321 | $567K |
| Other | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | 56 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.