| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOUNTAIN ONE INSURANCE AGENCY, INC.3 | 85 MAIN STREET NORTH ADAMS, MA 01247 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $47K | — | $47K | 5.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE STANDARD INSURANCE COMPANY | $78K | — | $78K | 15.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $7K | $16K | 11.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $4K | — | $4K | 5.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL INSURANCE INC | 795 MAIN STREET WILLIAMSTOWN, MA 01267 | ZURICH AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $3K | $3K | 15.00% |
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 | 1,323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 186 | $895K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 1,563 | $84K |
| Life insurance(2 contracts, 2 carriers) | THE STANDARD INSURANCE COMPANY | 1,677 | $657K |
| Long-term disability(2 contracts, 2 carriers) | THE STANDARD INSURANCE COMPANY | 1,677 | $657K |
| Prescription drug | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 186 | $895K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,598 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,677 | — |
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.