| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $29K | $75K | 3.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | HEALTH PLAN OF NEVADA | $53K | — | $53K | 2.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $122K | $25K | $147K | 10.74% |
| LPL FINANCIAL CORP3 Filed as: LPL FINANCIAL | 4707 EXECUTIVE DRIVE SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 0.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | $23 | $25 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $69K | $25K | $94K | 12.45% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $50K | $19K | $68K | 12.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | METLIFE LEGAL PLANS | $11K | $2K | $12K | 12.90% |
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 | 1,878 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 138 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,016 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH PLAN OF NEVADA | 306 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,767 | $2.0M |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,767 | $3.8M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,568 | $1.7M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,850 | $1.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,850 | $752K |
| Prescription drug(3 contracts, 3 carriers) | HEALTH PLAN OF NEVADA | 306 | $2.2M |
| Other(3 contracts, 2 carriers) | METLIFE LEGAL PLANS | 1,809 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,767 | — |
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.