| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 9.25% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $382 | $382 | 0.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF COLORADO | $3K | — | $3K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 6200 CANOGA AVE STE 300 WOODLAND HILLS, CA 91367 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 4.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 19.13% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | — | $199 | $199 | 0.74% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $1K | — | $1K | 11.66% |
| MAXWELL HEALTH3 | 101 TREMONT ST FL 11 BOSTON, MA 02108 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $220 | — | $220 | 2.34% |
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 | 128 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $551K |
| Dental | DELTA DENTAL OF COLORADO | 170 | $59K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 151 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 159 | $27K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 159 | $27K |
| Other | HARTFORD LIFE AND ACCIDENT | 159 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.