| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 STE 250 LONGWOOD, FL 32750 | GUARDIAN | $28K | $7K | $35K | 12.43% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE GROUP(A MBR OF THE TOKIO MARINE GROUP | $10K | $14K | $24K | 14.18% |
| 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) | — | $4K | $4K | 6.82% |
| 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 | $3K | $5K | 13.40% |
| 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 | $3K | $9K | 27.93% |
| 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 | $2K | $6K | 28.13% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE GROUP(A MEMBER OF THE TOKIO MARINE GR | $874 | $1K | $2K | 14.38% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE GROUP(A MBR OF THE TOKIO MARINE GROUP | $742 | $935 | $2K | 13.55% |
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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO(A MBR OF THE TOKIO MARINE GROUP) | 309 | $66K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE CO(A MMBR OF THE TOKIO MARING GROUP) | 174 | $36K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE GROUP(A MBR OF THE TOKIO MARINE GROUP | 351 | $167K |
| Stop-loss / reinsurancereinsurance | GUARDIAN | 313 | $281K |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE CO(A MBR OF THE TOKIO MARINE GROUP) | 309 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.