| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $3K | $15K | 7.85% |
| MARSH & MCLENNAN AGENCY LLC3 | BANK OF AMERICA LOCKBOX SVCS/MMA 2 MORRISSEY BLVD. DORCHESTER, MA 02125 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $9K | 5.86% |
| MARSH & MCLENNAN AGENCY LLC3 | BANK OF AMERICA LOCKBOX SVCS /MMA 2 MORRISSEY BLVD. DORCHESTER, MA 02125 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.46% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | C/O DIGITAL INSURANCE 200 GALLLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIASTAR LIFE INSURANCE COMPANY | $10K | $0 | $10K | 11.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 276122956 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD STE 300 DURHAM, NC 277038046 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLLERIA PARKWAY SE SUITE 1950 ATLANTA, MA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $323 | $181 | $504 | 3.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD BANK OF AMERICA LOCKBOX SVCS/MMA DORCHESTER, MA 02125 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $181 | $0 | $181 | 1.43% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $296 | $758 | $1K | 24.95% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 418 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 438 | $190K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $4K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 424 | $145K |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 438 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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."
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.