| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIASTAR LIFE INSURANCE COMPANY | — | $53K | $53K | 5.00% |
| RINGMASTER INSURANCE AGENCY LLC3 Filed as: RINGMASTER INSURANCE AGENCY | 5200 TOWN CENTER SE STE 540 BOCA RATON, FL 33486 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 0.09% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | DELTA DENTAL OF NEW MEXICO | $10K | — | $10K | 5.24% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 14.92% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 4.31% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | -$1 | — | -$1 | -0.00% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMB PKWY SE STE 1100 ATLANTA, GA 30339 | VISION SERVICE PLAN | -$106 | — | -$106 | -0.33% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PKWY STE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $845 | — | $845 | 14.98% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ONEDIGITAL HEALTH & BENEFITS EIN 58-2522668 SC REVENUE | Claims processing Service code 12 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | $95K |
| LUCENT HEALTH SOLUTIONS LLC EIN 39-1999757 ADMIN | Plan Administrator Service code 14 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | $66K |
| MULTIPLAN EIN 13-3068979 HST FEE | Claims processing Service code 12 | PO BOX 29372 NEW YORK, NY 10087 | $39K |
| 6 DEGREE HEALTH INC. EIN 81-4242649 DISC FEES | Claims processing Service code 12 | 5800 PINEFARM CT STE 200 HILLSBORO, OR 97124 | $20K |
| LUCENT HEALTH CARE CONCIERGE EIN 39-1997579 LHCM FEE | Claims processing Service code 12 | 424 CHURCH ST STE 2300 NASHVILLE, TN 37219 | $16K |
| LUCENT HEALTH CARE CORE SVS EIN 39-1997579 LHCM FEE | Claims processing Service code 12 | 424 CHURCH ST STE 2300 NASHVILLE, TN 37219 | $11K |
| LUCENT HEALTH CARE MANAGEMENT EIN 39-1997579 U/R | Claims processing Service code 12 | 424 CHURCH ST STE 2300 NASHVILLE, TN 37219 | $10K |
| HEALTHCARE BLUEBOOK INC EIN 52-1874471 COMPLIANCE | Plan Administrator Service code 14 | 330 FRANKLIN RD STE 135A-428 BRENTWOOD, TN 37027 | $1K |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 438 | $193K |
| Vision | VISION SERVICE PLAN | 231 | $32K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 277 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 277 | $84K |
| Other(7 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 603 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.