| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS AND BLUE SHIED HEALTHCARE PLAN OF GEORGIA, INC. | $22K | $3K | $25K | 11.36% |
| GROUP RISK SPECIALISTS INC3 | 3340 PEACHTREE ROAD NE SUITE 1525 ATLANTA, GA 30326 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 9.75% |
| DIGITAL INSURANCE LLC3 | 3438 PEACHTREE ROAD, SUITE 1100 ATLANTA, GA 30326 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 9.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.95% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $89 | $89 | 0.05% |
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 | 453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 38 | $243K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 487 | $460K |
| Vision | BLUE CROSS AND BLUE SHIED HEALTHCARE PLAN OF GEORGIA, INC. | 487 | $217K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 453 | $176K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 453 | $176K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 38 | $243K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 507 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.