| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE SUITE 1950 ATLANTA, GA 30339 | CIGNA | $6K | $0 | $6K | 4.96% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA | $0 | $4K | $4K | 3.97% |
| SETH KALKSTEIN3 | 29 S MAIN STREET SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.14% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | NORTHWESTERN MUTUAL 29 SOUTH MAIN ST., STE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.58% |
| ENROLLEASE3 Filed as: ONE DIGITAL HEALTH | ACCOUNT MANAGEMENT 200 GALLERIA PKWY 1950 ATLANTA, GA 30339 | EYEMED | $865 | — | $865 | 8.32% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC ATLANTA GA | ACCOUNT MANAGEMENT 200 GALLERIA PKWY., 1950 ATLANTA, GA 30339 | EYEMED | $178 | — | $178 | 1.71% |
| ENROLLEASE3 Filed as: ONE DIGITAL FARMINGTON CT | ACCOUNT MANAGEMENT 200 GALLERIA PKWY 1950 ATLANTA, GA 30339 | EYEMED | $99 | — | $99 | 0.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. SERVICE PROVIDER | Claims processing; Insurance brokerage commissions and fees; Float revenue; Other insurance fees and expenses; Named fiduciary; Participant communication; Direct payment from the plan Service code 12 | 27 CORPORATE HILL DRIVE LITTLE ROCK, AZ 72205 | $95K |
| AETNA SERVICE PROVIDER | Other insurance fees and expenses Service code 73 | 151 FARMINTON AVE RS12 HARTFORD, CT 06156 | $0 |
| BERKLEY CLAIMS DEPT SERVICE PROVIDER | Other insurance fees and expenses Service code 73 | BERKLEY ACCIDENT AND HEALTH 2445 KUSER RD STE 201 HAMILTON SQUARE, NJ 08690 | $0 |
| DIGITAL INSURANCE INC SERVICE PROVIDER | Insurance brokerage commissions and fees Service code 53 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | $0 |
| ROGERS BENEFIT GROUP INC. SERVICE PROVIDER | Insurance brokerage commissions and fees Service code 53 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | $0 |
| UR CM AHH SERVICE PROVIDER | Other insurance fees and expenses; Participant communication Service code 38 | 7400 WEST CAMPUS RD NEW ALBANY, OH 43054 | $0 |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA | 104 | $112K |
| Vision | EYEMED | 154 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 174 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.