| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | $375K | $12K | $386K | 5.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $58K | $22K | $80K | 13.86% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $24K | $24K | 4.09% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $14K | $4K | $18K | 16.28% |
| MJ INSURANCE3 Filed as: DIGITAL INSUANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ARMADA CARE | $4K | — | $4K | 3.25% |
| WORLD INSURANCE ASSOCIATES LLC0 Filed as: INSURANCETOGO-WORLDWIDE INS. AGENCY | 6744 BRAMWELL COURT JOHNSTON, IA 50131 | FOUR EVER LIFE INS. CO. | $19K | — | $19K | 20.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 2.90% |
| DIGITAL INSURANCE LLC4 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 10.70% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $969 | $30 | $999 | 5.14% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 661 | $7.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 700 | $579K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 700 | $579K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 337 | $175K |
| Short-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 337 | $175K |
| Long-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 337 | $175K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 661 | $7.5M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 337 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.