| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | $21K | $53K | 25.31% |
| BENETEK CORPORATION3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $18K | $41K | 26.12% |
| BENETEK CORPORATION3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $12K | $31K | 25.23% |
| BENETEK CORPORATION3 | 4725 SAND LAKE RD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.54% |
| ENROLLEASE3 Filed as: ONE DIGITAL | ATTN ACCOUNT MANAGEMENT ATLANTA, GA 30339 | EYEMED VISION CARE | $8K | — | $8K | 9.99% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $6K | $26K | 32.16% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE CO | $15K | $6K | $21K | 34.92% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWAY SE STE 1950 ATLANTA, GA 303395946 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | — |
| MARSH & MCLENNAN AGENCY LLC Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PKWAY SE STE 400 ATLANTA, GA 303393304 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RELIANCE STANDARD LIFE INSURANCE CO EIN 36-0883760 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $99K |
| CIGNA | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | — | $0 |
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 | 1,498 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 936 | $0 |
| Vision | EYEMED VISION CARE | 1,254 | $85K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,673 | $158K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,673 | $122K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,498 | $0 |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,874 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,874 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.