| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 300 GALLERIA PARKWAY SUITE 1100 ATLANTA, GA 30339 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $3K | — | $3K | 5.04% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STE 234 PHOENIX, AZ 85018 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $4K | $979 | $5K | 18.78% |
| PETER J WARREN3 | 275 PROMENADE ST, STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $329 | $118 | $447 | 1.73% |
| RUSSO GROUP LLC3 Filed as: RUSSO GRP LLC | 875 3RD AVE FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $329 | $40 | $369 | 1.43% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $3K | $785 | $4K | 18.78% |
| PETER J WARREN3 | 275 PROMENADE ST, STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $175 | $63 | $238 | 1.15% |
| RUSSO GROUP LLC3 Filed as: RUSSO GRP LLC | 875 3RD AVE FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $175 | $21 | $196 | 0.94% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $2K | $619 | $3K | 18.78% |
| PETER J WARREN3 | 275 PROMENADE ST, STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $148 | $53 | $201 | 1.23% |
| RUSSO GROUP LLC3 Filed as: RUSSO GRP LLC | 875 3RD AVE FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $148 | $18 | $166 | 1.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $533 | — | $533 | 9.42% |
| JEREMY STOWE3 Filed as: JEREMY T STOWE | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | HARTFORD LIFE AND ACCIDENT | $332 | — | $332 | 10.01% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 70 | $52K |
| Vision | VISION SERVICE PLAN | 47 | $6K |
| Life insurance(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 93 | $24K |
| Short-term disability | NORTHWESTERN MUTUAL | 91 | $16K |
| Long-term disability | NORTHWESTERN MUTUAL | 31 | $26K |
| Other | HARTFORD LIFE AND ACCIDENT | 93 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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."
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.