| 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 | $40K | $22K | $62K | 2.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $8K | $25K | 1.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $185K | $25K | $210K | 10.38% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | HEALTH PLAN OF NEVADA | $32K | — | $32K | 1.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HEALTH PLAN OF NEVADA | $24K | — | $24K | 1.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $94K | $25K | $119K | 10.84% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $67K | $19K | $85K | 11.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | METLIFE LEGAL PLANS | $6K | $1K | $7K | 5.67% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | $6K | $551 | $7K | 5.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $624 | — | $624 | 1.25% |
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 | 2,042 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 205 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 340 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,862 | $2.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,862 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,552 | $2.0M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,942 | $2.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,942 | $1.1M |
| Prescription drug(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 340 | $2.2M |
| Other(3 contracts, 2 carriers) | METLIFE LEGAL PLANS | 1,260 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,862 | — |
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.