| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNITED HEALTH CARE INSURANCE COMPANY | $59K | — | $59K | 2.37% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP CT | 5110 N 40TH ST SUITE 234 PHOENIX, AZ 85018 | UNITED HEALTH CARE INSURANCE COMPANY | $33K | — | $33K | 1.32% |
| ENROLLEASE3 Filed as: ONE DIGITAL HEALTH AND BENEFITS | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | DELTAL DENTAL OF CT, INC | $5K | — | $5K | 3.61% |
| KEITH J WALDMAN3 | 18 CIDER BROOK RD AVON, CT 06001 | ANTHEM LIFE INSURANCE COMPANY | $775 | — | $775 | 0.87% |
| SETH JASON KALKSTEIN3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $581 | — | $581 | 0.65% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $581 | — | $581 | 0.65% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 6.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA SE STE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $2K | — | $2K | 9.99% |
| 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 | $9K |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 333 | $2.5M |
| Dental | DELTAL DENTAL OF CT, INC | 378 | $143K |
| Vision | EYEMED VISION CARE | 301 | $19K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 384 | $86K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 0 | $89K |
| Prescription drug | UNITED HEALTH CARE INSURANCE COMPANY | 333 | $2.5M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 384 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.