| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO | $8K | — | $8K | 0.82% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 20.00% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.86% |
| PAYCOM PAYROLL LLC5 | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.57% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 19.08% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.27% |
| PAYCOM PAYROLL LLC5 | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.84% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.08% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.03% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.87% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 9.14% |
| PAYCOM PAYROLL LLC5 | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 29.09% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $730 | $0 | $730 | 15.00% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $303 | $303 | 6.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIGITIAL INSURANCE EIN 58-2522668 NONE | Other fees Service code 99 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | $44K |
| RELIASTAR LIFE INSURANCE COMPANY EIN 41-0451140 SERVICE PROVIDER | Recordkeeping fees Service code 64 | P.O. BOX 550 MINOT, ND 58702 | $23K |
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 | 372 | $919K |
| Dental | AETNA LIFE INSURANCE CO | 372 | $919K |
| Vision | AETNA LIFE INSURANCE CO | 372 | $919K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $20K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.