| 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 | $44K | — | $44K | 1.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $213K | — | $213K | 8.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $114K | $114K | 4.76% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 0.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134K | — | $134K | 6.42% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $45K | $45K | 2.13% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $131K | — | $131K | 8.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $29K | $29K | 1.98% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| HODGES-MACE BENEFITS GRP INC3 | STE 80 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $221K | $39K | $260K | 25.13% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $80K | — | $80K | 7.70% |
| HODGES-MACE BENEFITS GRP INC3 | STE 80 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $32K | $32K | 3.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $643 | $643 | 0.06% |
| HODGES-MACE BENEFITS GRP INC3 | STE 80 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $82K | $10K | $92K | 13.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | UNUM INSURANCE COMPANY | $35K | — | $35K | 4.94% |
| HODGES-MACE BENEFITS GRP INC3 | STE 80 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $0 | $28K | $28K | 3.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $0 | $4K | $4K | 0.63% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $61K | — | $61K | 10.09% |
| HODGES-MACE BENEFITS GRP INC3 | STE 80 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64K | $8K | $72K | 38.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70K | — | $70K | 36.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $600 | $600 | 0.32% |
| NASHVILLE, TN OFFICE,3 | DIRECT BUSINESS STE 150 2555 MERIDIAN BLVD FRANKLIN, TN 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $921 | $921 | 2.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST STE 220 NASHVILLE, NC 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | FIRST UNUM LIFE INSURANCE COMPANY | $442 | — | $442 | 33.08% |
| HODGES-MACE BENEFITS GRP INC3 | STE 80 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $442 | — | $442 | 33.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 14,302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,550 | $1.7M |
| Dental | DELTA DENTAL OF TENNESSEE | 11,950 | $2.9M |
| Vision | VISION SERVICE PLAN | 7,182 | $606K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,648 | $2.3M |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,678 | $3.9M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,278 | $1.5M |
| Other(8 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,648 | $7.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,648 | — |
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."
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.