| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | — | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST. STE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.13% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 33853 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $659 | $659 | 2.37% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 17.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE,INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $563 | $563 | 2.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $363 | $363 | 2.69% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 281 | $115K |
| Vision | DELTA DENTAL OF TENNESSEE | 254 | $16K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $41K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 41 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $28K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.