| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $43K | — | $43K | 1.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY | $125K | — | $125K | 6.95% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY | — | $89K | $89K | 4.96% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY | — | $4K | $4K | 0.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY | $163K | — | $163K | 9.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY | — | $41K | $41K | 2.43% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY | $125K | — | $125K | 9.81% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY | — | $29K | $29K | 2.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $60K | $163K | $223K | 36.92% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $34K | $28K | $62K | 13.69% |
| HODGES-MACE LLC3 | 3550 RIVERWOOD PARKWAY #80 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 4.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 34TH FL NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | -$81 | — | -$81 | -0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY | $11K | — | $11K | 7.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY | — | $4K | $4K | 2.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 2.61% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 11.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 4.35% |
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 | 13,423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 344 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 11,134 | $2.9M |
| Vision | VISION SERVICE PLAN | 6,787 | $603K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 14,561 | $2.2M |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY | 3,997 | $1.5M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY | 3,997 | $1.4M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 14,561 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,561 | — |
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.