| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA HEALTH, INC. | — | $27K | $27K | 1.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 19200 STEVENS CREEK BLVD STE 110 CUPERTINO, CA 950142530 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 4.76% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | SUITE 300 400 GALLERIA PKWY ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.85% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $58 | $58 | 0.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $823 | — | $823 | 6.84% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 219 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 311 | $100K |
| Vision | VISION SERVICE PLAN | 95 | $12K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 145 | $93K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 145 | $93K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 145 | $93K |
| Other(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 219 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.