| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 20.92% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 20.32% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 40.11% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 20.68% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $3K | — | $3K | 9.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.94% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $454 | — | $454 | 3.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $764 | — | $764 | 27.05% |
| SUPERIOR BENEFIT- ANTHONY CLEVELAND3 Filed as: SUPERIOR BENEFIT PARTNERS LLC | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $87 | — | $87 | 3.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DDMN ASO, LLC EIN 41-1852523 BENEFIT ADMIN | Contract Administrator; Claims processing Service code 12 | — | $22K |
| DIGITAL INSURANCE, INC. AGENT/AGENCY | Insurance agents and brokers Service code 22 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $9K |
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 | 511 | 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) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 254 | $36K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 511 | $163K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 344 | $65K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 479 | $93K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE STOP LOSS - UNITED HEALTH | 479 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.