| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE STE 1950 ATLANTA, GA 30339 | CIGNA | $5K | $473 | $5K | 5.45% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA | $0 | $4K | $4K | 4.36% |
| SETH KALKSTEIN3 | 29 S MAIN STREET STE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $2K | $908 | $3K | 3.66% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 153 CORNERSTONE DR SOUTH WINDSOR, CT 06074 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.37% |
| ENROLLEASE3 Filed as: ONE DIGITAL FARMINGTON CT | 200 GALLERIA PKWY 1950 ATLANTA, GA 30339 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE CO | $1K | — | $1K | 12.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 SERVICE PROVIDER | Float revenue; Other insurance fees and expenses; Participant communication; Direct payment from the plan; Named fiduciary; Claims processing; Insurance brokerage commissions and fees Service code 12 | 200 WEST ADAMS ST. SUITE 500 CHICAGO, IL 60606 | $61K |
| DIGITAL INSURANCE, INC. EIN 58-2522668 SERVICE PROVIDER | Insurance brokerage commissions and fees Service code 53 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | $53K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 SERVICE PROVIDER | Other insurance fees and expenses Service code 73 | 151 FARMINGTON AVE RS12 HARTFORD, CT 06156 | $23K |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA | 78 | $97K |
| Vision | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE CO | 155 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 134 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.