| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY STE 1950 ATLANTA, CT 30339 | UNITED HEALTH CARE INSURANCE COMPANY | $62K | — | $62K | 2.24% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP CT | 5110 N 40TH ST SUITE234 PHOENIX, AZ 85018 | UNITED HEALTH CARE INSURANCE COMPANY | $35K | — | $35K | 1.24% |
| ENROLLEASE3 Filed as: ONE DIGITAL HEALTH AND BENEFITS | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | DELTAL DENTAL OF CT, INC | $6K | — | $6K | 3.43% |
| KEITH J WALDMAN3 | 24 TARIFFVILLE RD BLOOMFIELD, CT 06002 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 5.23% |
| SETH JASON KALKSTEIN3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 3.92% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 3.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA SE STE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $2K | — | $2K | 10.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED ADMINISTRATION CORPORAT EIN 06-0988547 THIRD PARTY ADMIN. | Claims processing Service code 12 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | $13K |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 368 | $2.8M |
| Dental | DELTAL DENTAL OF CT, INC | 398 | $162K |
| Vision | EYEMED VISION CARE | 288 | $19K |
| Life insurance | UNITED HEALTH CARE INSURANCE COMPANY | 368 | $2.8M |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 384 | $85K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 384 | $85K |
| Prescription drug | UNITED HEALTH CARE INSURANCE COMPANY | 368 | $2.8M |
| Other | UNITED HEALTH CARE INSURANCE COMPANY | 368 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.