| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 STE 250 LONGWOOD, FL 32750 | GUARDIAN | $36K | $5K | $42K | 11.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE CO(A MBR OF THE TOKIO MARINE GROUP) | — | $427 | $427 | 1.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 300 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE CO(A MBR OF THE TOKIO MARINE GROUP) | — | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 300 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE CO(A MMBR OF THE TOKIO MARING GROUP) | $2K | — | $2K | 5.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE CO(A MMBR OF THE TOKIO MARING GROUP) | $372 | — | $372 | 1.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE CO(A MMBR OF THE TOKIO MARING GROUP) | $6 | — | $6 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY STE 300 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE CO.(A MMBR OF THE TOKIO MARINE GROUP) | $6K | — | $6K | 19.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE CO.(A MMBR OF THE TOKIO MARINE GROUP) | $353 | — | $353 | 1.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE CO.(A MMBR OF THE TOKIO MARINE GROUP) | $19 | — | $19 | 0.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 300 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE CO(A MBR OF THE TOKIO MARINE GROUP) | $5K | — | $5K | 19.84% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE CO(A MBR OF THE TOKIO MARINE GROUP) | $313 | — | $313 | 1.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE CO(A MBR OF THE TOKIO MARINE GROUP) | $37 | — | $37 | 0.16% |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO(A MBR OF THE TOKIO MARINE GROUP) | 120 | $35K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE CO(A MMBR OF THE TOKIO MARING GROUP) | 172 | $29K |
| Stop-loss / reinsurancereinsurance | GUARDIAN | 275 | $363K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO(A MBR OF THE TOKIO MARINE GROUP) | 139 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
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.