| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A LEVY3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $131K | — | $131K | 3.32% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DRIVE SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $1 | $23K | 2.88% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.41% |
| WILLIAM BEAR3 | 7105 SWAN WAY CARY, IL 60013 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $13K | $65K | 9.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALARIA PARKWAY #1950 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $25K | — | $25K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 33039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $844 | $7K | 17.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $757 | $4K | 9.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $3K | $1K | $4K | 13.42% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $5K | — | $5K | 15.00% |
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 | 479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 869 | $3.9M |
| Dental | DELTA DENTAL OF TENNESSEE | 565 | $245K |
| Vision | HUMANA INSURANCE COMPANY | 253 | $33K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $881K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 479 | $691K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 479 | $691K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $913K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 869 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.