| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA HELATH AND LIFE INSURANCE COMPANY | $47K | $4K | $51K | 11.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA HELATH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $1K | — | $1K | 4.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $789 | $3K | 21.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $226 | $1K | 17.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPNAY OF NORTH AMERICA | $1K | $534 | $2K | 27.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $860 | $172 | $1K | 17.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $565 | $336 | $901 | 23.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $517 | $224 | $741 | 21.52% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $442 | $110 | $552 | 24.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $251 | $102 | $353 | 21.07% |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HELATH AND LIFE INSURANCE COMPANY | 230 | $459K |
| Dental | CIGNA HELATH AND LIFE INSURANCE COMPANY | 230 | $459K |
| Vision | VISION SERVICE PLAN | 142 | $29K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPNAY OF NORTH AMERICA | 166 | $11K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8 | $4K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $13K |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.