| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY SE STE 300 ATLANTA, GA 303393182 | PREMERA BLUE CROSS | $45K | — | $45K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY SE STE 300 ATLANTA, GA 30339 | PREMERA BLUE CROSS | $0 | $3K | $3K | 0.38% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 331617428 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 12.53% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.85% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $767 | — | $767 | 7.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY SE STE 300 ATLANTA, GA 303393182 | PREMERA BLUE CROSS | $273 | — | $273 | 4.99% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PREMERA BLUE CROSS | 102 | $915K |
| Dental(3 contracts, 2 carriers) | PREMERA BLUE CROSS | 200 | $959K |
| Vision | VISION SERVICE PLAN | 102 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $44K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $44K |
| Prescription drug(2 contracts) | PREMERA BLUE CROSS | 102 | $915K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.