| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY-STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.36% |
| NORTHERN BENEFIT CONSULTANTS LTD3 Filed as: NORTHERN BENEFIT CONSULTANTS, LTD | 1233 SHELBURNE RD-STE C 2A S BURLINGTON, VT 05403 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.37% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.27% |
| NORTHERN BENEFIT CONSULTANTS LTD3 | 1233 SHELBURNE RD - SUITE C 2A S BURLINGTON, VT 05403 | STANDARD INSURANCE COMPANY | $602 | — | $602 | 5.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY-STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $369 | — | $369 | 3.50% |
| NORTHERN BENEFIT CONSULTANTS LTD3 Filed as: NORTHERN BENEFIT CONSULTANTS, LTD | 1233 SHELBURNE ROAD-SUITE C 2A S BURLINGTON, VT 05403 | STANDARD INSURANCE COMPANY | $436 | — | $436 | 5.81% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY-STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $178 | — | $178 | 2.37% |
| NORTHERN BENEFIT CONSULTANTS LTD3 | 1233 SHELBURNE RD - STE C 2A S. BURLINGTON, VT 05403 | STANDARD INSURANCE COMPANY | $376 | — | $376 | 5.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY-STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $141 | — | $141 | 1.97% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $123 | — | $123 | 4.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY-STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $95 | — | $95 | 3.32% |
| NORTHERN BENEFIT CONSULTANTS LTD3 Filed as: NORTHERN BENEFIT CONSULTANTS, LTD | 1233 SHELBURNE RD - STE C 2A S. BURLINGTON, VT 05403 | STANDARD INSURANCE COMPANY | $68 | — | $68 | 2.38% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 75 | $45K |
| Vision | STANDARD INSURANCE COMPANY | 75 | $3K |
| Life insurance | STANDARD INSURANCE COMPANY | 103 | $8K |
| Short-term disability | STANDARD INSURANCE COMPANY | 34 | $7K |
| Long-term disability | STANDARD INSURANCE COMPANY | 32 | $11K |
| Other | STANDARD INSURANCE COMPANY | 103 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.