| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | — | CIGNA HEALTH & LIFE INSURANCE COMPANY | $37K | $232 | $38K | 8.77% |
| ROGERS BENEFIT GROUP INC3 | — | CIGNA HEALTH & LIFE INSURANCE COMPANY | $0 | $19K | $19K | 4.36% |
| JEREMY STOWE3 | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 19.77% |
| JEREMY STOWE3 | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 19.55% |
| JEREMY STOWE3 | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 19.38% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | -$3 | -$1 | -$4 | — |
| FRIELING INS AGY INC3 | 55 WILLIAMS ST STE 100 WELLESLEY, MA 02481 | NORTHWESTERN MUTUAL | -$2 | — | -$2 | — |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | -$8 | -$2 | -$10 | — |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 105 | $429K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 105 | $429K |
| Vision | VISION SERVICE PLAN | 48 | $7K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 100 | $25K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 99 | $22K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 32 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.