| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 303395946 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 9.41% |
| SHELLEY HARTSELL3 | 8735 WESTMORELAND LAKE DR CORNELIUS, NC 28031 | AFLAC | $10K | $1K | $11K | 13.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY SE, SUITE 300 ATLANTA, GA 30339 | AFLAC | $6K | — | $6K | 6.83% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $3K | — | $3K | 4.13% |
| NICHOLAS STILLS3 Filed as: NICHOLAS B. STILLS | 8801 GEORGE WYTHE CT CHARLOTTE, NC 28277 | AFLAC | $1K | $212 | $1K | 1.73% |
| JOHNATHAN P. DUNN3 Filed as: JOHNATHAN P DUNN | 9112 ARBOR GLEN LANE CHARLOTTE, NC 28210 | AFLAC | $817 | $125 | $942 | 1.13% |
| ELIZABETH F HARKEY3 | 501 N CHURCH STREET, SUITE 300 CHARLOTTE, NC 28202 | AFLAC | $715 | $74 | $789 | 0.95% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $1K | — | $1K | 5.48% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $166K |
| Vision | VISION SERVICE PLAN | 88 | $20K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $166K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $166K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.