| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $10K | — | $10K | 0.54% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FLOOR WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $25K | — | $25K | 12.93% |
| BENEMAX, INC.3 | PO BOX 950 MEDFIELD, MA 02052 | SYMETRA LIFE INSURANCE COMPANY | $11K | — | $11K | 5.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.25% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $794 | — | $794 | 7.85% |
| BENEMAX, INC.3 | 7 WEST MILL ST PO BOX 950 MEDFIELD, MA 02052 | EYEMED VISION CARE | — | $290 | $290 | 2.87% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD. SUITE 3001 WARWICK, RI 02886 | EYEMED VISION CARE | — | $170 | $170 | 1.68% |
| DIGITAL INSURANCE LLC3 | 7 WEST MILL STREET PO BOX 950 MEDFIELD, MA 02052 | GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 22.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 7 WEST MILL ST. PO BOX 950 MEDFIELD, MA 02052 | GUARDIAN LIFE INSURANCE COMPANY | — | $1K | $1K | 17.94% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 310 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY | — | $193 | $193 | 2.76% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 243 | $1.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 132 | $7K |
| Vision | EYEMED VISION CARE | 154 | $10K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 137 | $190K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 137 | $190K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 137 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.