| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 12.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $2K | $16K | 14.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $987 | $16K | 23.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 300 GALLERIA PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | VISION SERVICE PLAN | $4K | — | $4K | 9.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $515 | $4K | 12.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $216 | $2K | 12.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $274 | $39 | $313 | 12.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $285K |
| DIGITAL INSURANCE, INC. EIN 58-2522668 AGENT/AGENCY BROKER | Insurance agents and brokers; Other commissions Service code 22 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $84K |
| DDMN ASO, LLC EIN 41-1852523 BENEFIT ADMIN | Claims processing; Contract Administrator Service code 12 | — | $24K |
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 | 543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 292 | $44K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 543 | $155K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 383 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 502 | $107K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE STOP LOSS - UNITED HEALTH | 503 | $670K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.