| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.25% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE #8 BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | — | $835 | $835 | 1.38% |
| WAYNE DAMATO3 | 25 COURTWAY STREET, UNIT 11 NARRAGANSETT, RI 02882 | STANDARD INSURANCE COMPANY | $513 | — | $513 | 0.85% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE #8 BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | — | $616 | $616 | 2.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 13.09% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 8.32% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE #8 BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | $0 | $435 | $435 | 3.09% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | STANDARD INSURANCE COMPANY | $982 | — | $982 | 8.52% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $428 | — | $428 | 3.71% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE #8 BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | $0 | $324 | $324 | 2.81% |
| FRED C. CHURCH INC.3 Filed as: FRED C CHURCH INSURANCE | 41 WELLMAN STREET LOWELL, MA 01851 | EYEMED VISION CARE | $147 | — | $147 | 1.54% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | STANDARD INSURANCE COMPANY | $72 | — | $72 | 2.10% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE #8 BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | — | $47 | $47 | 1.37% |
| WAYNE DAMATO3 | 25 COURTWAY STREET, UNIT 11 NARRAGANSETT, RI 02882 | STANDARD INSURANCE COMPANY | $29 | — | $29 | 0.85% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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 |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 60 | $61K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 137 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 120 | $12K |
| Long-term disability | STANDARD INSURANCE COMPANY | 98 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.