| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $224K | $7K | $231K | 9.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 0.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY ATLANTA, GA 30339 | DELTA DENTAL INSURANCE COMPANY | $23K | — | $23K | 1.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $13K | $5K | $19K | 9.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVE OF THE AMERICAS STE 2010 NEW YORK, NY 10036 | HUMANA INSURANCE COMPANY | -$8 | — | -$8 | -0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 500 W MONROE ST CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES | — | $840 | $840 | 0.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $1 | $1 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | AETNA INC | $6K | — | $6K | 10.40% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | AFLAC | $3K | — | $3K | 8.45% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $525 | — | $525 | 3.91% |
| ESKRA & ASSOCIATES INC3 | 355 ALHAMBRA CIR CORAL GABLES, FL 33134 | METROPOLITAN LIFE INSURANCE COMPANY | $211 | — | $211 | 1.57% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | — | $227 | 8.68% |
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 | 1,728 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,215 | $18.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 3,291 | $1.4M |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 1,393 | $253K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,736 | $2.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,736 | $2.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,736 | $2.5M |
| Prescription drug(6 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,215 | $18.1M |
| Other(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,736 | $19.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,291 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.