| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 300 GALLERIA PARKWAY SUITE 100 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $181K | $10K | $191K | 4.39% |
| DIGITAL INSURANCE LLC3 | — | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | 2.82% |
| MARSH & MCLENNAN AGENCY LLC3 | — | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 2.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 10.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 10.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 300 GALLERIA PARKWAY SE STE 100 ATLANTA, GA 30339 | VISION SERVICE PLAN | $3K | — | $3K | 5.71% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $2K | — | $2K | 4.30% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 12.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 9.06% |
| DIGITAL INSURANCE LLC3 | — | DELTA DENTAL OF CALIFORNIA | $422 | — | $422 | 2.91% |
| MARSH & MCLENNAN AGENCY LLC3 | — | DELTA DENTAL OF CALIFORNIA | $302 | — | $302 | 2.08% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 385 | $4.4M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 499 | $285K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 385 | $4.4M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 287 | $101K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $71K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 287 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.