| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | — | CIGNA HEALTH & LIFE INSURANCE COMPANY | $35K | — | $35K | 7.22% |
| ROGERS BENEFIT GROUP INC3 | — | CIGNA HEALTH & LIFE INSURANCE COMPANY | $0 | $17K | $17K | 3.61% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $4K | $974 | $5K | 18.73% |
| RUSSO GROUP LLC3 Filed as: RUSSO GRP LLC | 875 3RD AVE FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $494 | $59 | $553 | 2.14% |
| PETER J WARREN3 | 275 PROMENADE ST, STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $163 | $59 | $222 | 0.86% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $4K | $973 | $5K | 18.74% |
| RUSSO GROUP LLC3 Filed as: RUSSO GRP LLC | 875 3RD AVE FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $319 | $38 | $357 | 1.38% |
| PETER J WARREN3 | 275 PROMENADE ST, STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $87 | $31 | $118 | 0.46% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $3K | $667 | $3K | 18.75% |
| RUSSO GROUP LLC3 Filed as: RUSSO GRP LLC | 875 3RD AVE FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $241 | $29 | $270 | 1.53% |
| PETER J WARREN3 | 275 PROMENADE ST, STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $70 | $25 | $95 | 0.54% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $567 | — | $567 | 8.93% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 92 | $484K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 92 | $484K |
| Vision | VISION SERVICE PLAN | 54 | $6K |
| Life insurance | NORTHWESTERN MUTUAL | 101 | $26K |
| Short-term disability | NORTHWESTERN MUTUAL | 101 | $18K |
| Long-term disability | NORTHWESTERN MUTUAL | 31 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.