| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $125K | $138K | 5.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GEORGIA | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $27K | $30K | 1.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 10.27% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.32% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.13% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $459 | $134 | $593 | 7.31% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $335 | $335 | 4.13% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134 | — | $134 | 1.65% |
| JENNIFER CARNAHAN3 Filed as: JENNIFER N CARNAHAN | 1718 PARDEE DRIVE KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $557 | — | $557 | 12.33% |
| DANIEL E ZECKMAN3 | 430 DEEPSTREAM CROSSING CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $501 | — | $501 | 11.09% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $361 | — | $361 | 7.99% |
| MICHELLE CAROLYN FLORES-METCALFE3 | 786 HELM LANE NORTHWEST KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $257 | — | $257 | 5.69% |
| JOHN P KOWN II3 Filed as: JOHN PHILLIP KOWN | 1226 BONSHAW TRAIL MARIETTA, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | — | $157 | 3.47% |
| ELIZABETH FINCHER3 Filed as: ELIZABETH SPENCER FINCHER | 493 VICTORIA ROAD WOODSTOCK, GA 30189 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 2.39% |
| EUGENE BRADLEY3 | 423 SYCAMORE TRAIL WOODSTOCK, GA 30189 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 1.77% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $2.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $2.7M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 360 | $135K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 360 | $135K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 360 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.