| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PRKWY STE 1950 ATLANTA, GA 303395946 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS. INC. | $15K | $4K | $19K | 6.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $51K | $6K | $56K | 23.22% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FL WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $18K | $18K | 7.29% |
| ENROLLEASE3 Filed as: ONE DIGITAL INSURANCE INC | 200 GALLERIA PRKWY STE 1950 ATLANTA, MA 303395946 | EYEMED VISION CARE | $6K | — | $6K | 10.17% |
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 | 504 | 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) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS. INC. | 854 | $293K |
| Vision | EYEMED VISION CARE | 1,377 | $56K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 445 | $243K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 445 | $243K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 445 | $243K |
| Other | HARTFORD LIFE AND ACCIDENT | 445 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,377 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.