| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $8K | $34K | 4.68% |
| STEPP, LARRY K3 | BLDG 26-250 1640 POWERS FERRY RD SE MARIETTA, GA 30067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $3K | $27K | 3.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY | $24K | $7K | $31K | 4.49% |
| STEPP, LARRY K3 | BLDG 26-250 1640 POWERS FERRY RD SE MARIETTA, GA 30067 | UNUM LIFE INSURANCE COMPANY | $24K | $3K | $27K | 3.88% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | STE 1950 200 GALLERIA PKWY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $895 | $26K | 7.12% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 5.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 5.38% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | BLDG 26 STE 250 1640 POWERS FERRY RD. SE MARIETTA, GA 30067 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 3.56% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY | $10K | $3K | $12K | 4.80% |
| STEPP, LARRY K3 | BLDG 26-250 1640 POWERS FERRY RD SE MARIETTA, GA 30067 | UNUM LIFE INSURANCE COMPANY | $8K | $904 | $9K | 3.61% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HYATT LEGAL PLANS | $4K | $273 | $4K | 9.01% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1640 POWERS FERRY ROAD BUILDING 26, SUITE 250 MARIETTA, GA 300675491 | HYATT LEGAL PLANS | $731 | $197 | $928 | 2.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 2,475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 1,825 | $300K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 738 | $259K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,358 | $730K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 2,801 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,801 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.