| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, TX 30339 | AETNA LIFE INSURANCE CO. | $6K | $7K | $13K | 1.57% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, TX 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $23K | $2K | $25K | 20.93% |
| PAYCOM PAYROLL LLC3 | 7501 W. MEMORIAL RD ATLANTA, TX 73142 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $4K | $4K | 3.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIGITIAL INSURANCE INC. EIN 58-2522668 NONE | Other fees Service code 99 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $73K |
| RELIASTAR LIFE INSURANCE EIN 41-0451140 NONE | Other fees; Recordkeeping fees Service code 64 | P.O. BOX 550 MINOT, ND 58702 | $0 |
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 | 1,425 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 209 | $829K |
| Dental | AETNA LIFE INSURANCE CO. | 209 | $829K |
| Vision | AETNA LIFE INSURANCE CO. | 209 | $829K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 229 | $121K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 229 | $121K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 229 | $121K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 229 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.