| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $13K | $57K | 3.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | $48K | — | $48K | 2.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATANTA, GA 303395946 | STANDARD INSURANCE COMPANY | $115K | — | $115K | 9.53% |
| LPL FINANCIAL CORP3 Filed as: LPL FINANCIAL | 4707 EXECUTIVE DR SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $93K | $8 | $93K | 8.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $62 | $15 | $77 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATANTA, GA 303395946 | STANDARD INSURANCE COMPANY | $78K | — | $78K | 10.89% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATANTA, GA 303395946 | STANDARD INSURANCE COMPANY | $56K | — | $56K | 10.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | METLIFE LEGAL PLANS | $10K | $786 | $11K | 10.89% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATANTA, GA 303395946 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81 | — | $81 | 0.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATANTA, GA 303395946 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10 | — | $10 | 0.16% |
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 | 1,829 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 306 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,776 | $1.9M |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,776 | $3.6M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,582 | $1.6M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,829 | $1.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,829 | $717K |
| Prescription drug(3 contracts, 3 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 306 | $2.0M |
| Other(3 contracts, 2 carriers) | METLIFE LEGAL PLANS | 1,704 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,776 | — |
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."
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.