| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 16.02% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS | 4851 LBJ FREEWAY STE 1950 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 1.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BOULEVARD SUITE 250 MIAMI, FL 33161 | TRANSAMERICA | $15K | — | $15K | 57.95% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $397 | — | $397 | 13.87% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS | 4851 LBJ FREEWAY SUITE 1950 DALLAS, TX 75244 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33 | — | $33 | 1.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | CIGNA GROUP INSURANCE | $91 | — | $91 | 16.19% |
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS INC | 5220 SPRING VALLEY STE 522 DALLAS, TX 75240 | CIGNA GROUP INSURANCE | -$6 | — | -$6 | -1.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | CIGNA GROUP INSURANCE | $62 | — | $62 | 14.90% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $274K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $274K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $274K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $53K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 576 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.