| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS & BLUE SHIELD OF WISCONSIN | $180K | $3K | $184K | 4.04% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $9K | 7.48% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $7K | 8.32% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 10.59% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL - ATLANTA GA | 200 GALLERIA PARKWAY STE. 1950 ATTN ACCOUNT MANAGEMENT ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 12.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 300 GALLERIA PKWY SUITE 1100 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 18.74% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $504 | $3K | 12.44% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $619 | $619 | 3.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 300 GALLERIA PKWY SUITE 1100 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 18.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 300 GALLERIA PKWY SUITE 1100 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 19.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $102 | $1K | 16.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY STE 300 ATLANTA, GA 30339 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $56 | $56 | 0.66% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $655 | $655 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEX HEALTH, INC. EIN 06-1593514 NONE | Contract Administrator; Claims processing Service code 12 | — | $11K |
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 | 460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUE CROSS & BLUE SHIELD OF WISCONSIN | 669 | $5.1M |
| Dental | BLUE CROSS & BLUE SHIELD OF WISCONSIN | 669 | $4.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 611 | $35K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 460 | $110K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $114K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $48K |
| Other(9 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 460 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.