| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGTIAL INSURANCE AGENCY, INC.3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $44K | $31K | $75K | 2.50% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $14K | $10K | $23K | 2.50% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $22K | $20K | $43K | 9.68% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | GUARDIAN | $25K | — | $25K | 5.73% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND MEDICAL INS. AGENCY LLC | 11 SUMMER STREET, STE 6 CHELMSFORD, MA 01824 | GUARDIAN | — | $289 | $289 | 0.07% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HPHC INSURANCE COMPANY | $1K | $778 | $2K | 2.50% |
| DIGTIAL INSURANCE AGENCY, INC.3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $62 | $45 | $107 | 2.49% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $27 | $19 | $46 | 2.48% |
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 | 597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 597 | $443K |
| Vision | GUARDIAN | 597 | $443K |
| Life insurance | GUARDIAN | 597 | $443K |
| Short-term disability | GUARDIAN | 597 | $443K |
| Long-term disability | GUARDIAN | 597 | $443K |
| Other | GUARDIAN | 597 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.