| 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 | STANDARD INSURANCE COMPANY | $44K | $25K | $69K | 3.19% |
| NFP INSURANCE SERVICES INC3 | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 0.97% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | P.O. BOX 117163 ATLANTA, GA 30368 | STANDARD INSURANCE COMPANY | $136K | — | $136K | 14.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $45K | $8K | $53K | 5.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 0.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $40K | $27K | $67K | 7.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES ( SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 2.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $19K | $25K | $44K | 5.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $54K | $25K | $79K | 9.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES ( SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | STANDARD INSURANCE COMPANY | $54K | — | $54K | 6.67% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $23K | $10K | $32K | 5.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES ( SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 2.28% |
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 | 3,583 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 2,440 | $2.2M |
| Vision | STANDARD INSURANCE COMPANY | 2,369 | $556K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,624 | $914K |
| Short-term disability | STANDARD INSURANCE COMPANY | 4,136 | $810K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,302 | $873K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,136 | — |
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.