| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | CONNECTICARE, INC | $28K | $6K | $35K | 2.59% |
| WAYNE DAMATO3 | 25 COURTWAY STREET UNIT 11 NARRAGANSETT, RI 02882 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 3440 PRESTON RIDGE ROAD, #325 ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | $840 | — | $840 | 3.54% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 3440 PRESTON RIDGE ROAD, #325 ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 13.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 3440 PRESTON RIDGE RD # 325 ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | $2K | $428 | $2K | 23.88% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $660 | — | $660 | 9.06% |
| FRED C. CHURCH INC.3 Filed as: FRED C CHURCH INSURANCE | 41 WELLMAN ST LOWELL, MA 01851 | EYEMED VISION CARE | $68 | — | $68 | 0.93% |
| WAYNE DAMATO3 | 25 COURTWAY ST NARRAGANSETT, RI 02882 | STANDARD INSURANCE COMPANY | $88 | — | $88 | 3.04% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC | 227 | $1.3M |
| Dental | STANDARD INSURANCE COMPANY | 50 | $51K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 132 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 121 | $12K |
| Long-term disability | STANDARD INSURANCE COMPANY | 108 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.