| 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. | $7K | $0 | $7K | 0.79% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $0 | $4K | $4K | 0.48% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $0 | $1K | $1K | 0.12% |
| DIGITIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 20.00% |
| DIGITIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.47% |
| PAYCOM PAYROLL LLC5 | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.74% |
| DIGITIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 20.00% |
| DIGITIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.88% |
| PAYCOM PAYROLL LLC5 | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.32% |
| DIGITIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| DIGITIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.42% |
| DIGITIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| DIGITIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 7.88% |
| DIGITIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| DIGITIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.42% |
| PAYCOM PAYROLL LLC5 | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 39.80% |
| DIGITIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $626 | $0 | $626 | 14.99% |
| DIGITIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $341 | $341 | 8.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY EIN 41-0451140 SERVICE PROVIDER | Recordkeeping fees Service code 64 | P.O. BOX 550 MINOT, ND 58702 | $7K |
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 | 1,495 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 202 | $841K |
| Dental | AETNA LIFE INSURANCE CO. | 202 | $841K |
| Vision | AETNA LIFE INSURANCE CO. | 202 | $841K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $49K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $51K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $23K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
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.