| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303393182 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $5K | $13K | 10.21% |
| ROBERT J ROY3 | 2341 BOSTON RD STE B200 WILBRAHAM, MA 01095 | NORTHWESTERN MUTUAL | $2K | $514 | $3K | 5.61% |
| SETH JASON KALKSTEIN3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $733 | $205 | $938 | 2.06% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $733 | $205 | $938 | 2.06% |
| ROBERT THOMAS FRIELING3 | 55 WILLIAM ST STE 100 WELLESLEY, MA 02481 | NORTHWESTERN MUTUAL | $576 | $145 | $721 | 1.58% |
| NM WEST HARTFORD LLC3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $550 | $66 | $616 | 1.35% |
| KATHLEEN MARY KANE3 | 1351 MAIN ST SPRINGFIELD, MA 01103 | NORTHWESTERN MUTUAL | $152 | $54 | $206 | 0.45% |
| FRIELING INS AGY INC3 | 55 WILLIAM ST STE 100 WELLESLEY, MA 02481 | NORTHWESTERN MUTUAL | $115 | $14 | $129 | 0.28% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 14 | $206K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $129K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $129K |
| Long-term disability | NORTHWESTERN MUTUAL | 120 | $46K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.