| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $54K | — | $54K | 2.20% |
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST BENEFIT PLAN | 2 COMMERCIAL ST STE 101 SHARON, MA 02067 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $20K | — | $20K | 0.82% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | MONY LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 16.65% |
| INDIGO INSURANCE SERVICES3 | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | MONY LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 7.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 2 COMMERCIAL ST STE 101 SHARON, MA 02067 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.63% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.37% |
| INDIGO INSURANCE SERVICES3 | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $967 | $0 | $967 | 4.56% |
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST BENEFIT PLANS | 2 COMMERCIAL ST STE 101 SHARON, MA 02067 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $892 | $0 | $892 | 4.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 160 GOULD ST NEEDHAM, MA 02492 | DELTA DENTAL | $6K | — | $6K | — |
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST BENEFIT PLAN | 2 COMMERCIAL ST STE 101 SHARON, MA 02067 | DELTA DENTAL | $840 | — | $840 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL EIN 04-6143185 TPA | Plan Administrator Service code 14 | — | $32K |
| DIGITAL INSURANCE IN. BROKER | Consulting (general) Service code 16 | — | $6K |
| EAST COAST BENEFIT PLAN EIN 04-3216295 BROKER | Consulting (general) Service code 16 | — | $840 |
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 | 420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 342 | $2.5M |
| Dental | DELTA DENTAL | 463 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 239 | $21K |
| Life insurance(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 420 | $77K |
| Short-term disability(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 420 | $77K |
| Long-term disability(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 420 | $77K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 420 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.