| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.99% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY JOHNSON | 3850E BASELINE ROAD STE 121 MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| SETH KALKSTEIN3 | 29 S MAIN STREET SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $2K | $651 | $2K | 3.72% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 153 CORNERSTONE DR SOUTH WINDSOR, CT 06074 | STANDARD INSURANCE COMPANY | $2K | $651 | $2K | 3.72% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE SUITE 1950 ATLANTA, GA 30339 | EYEMED VISON CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | $987 | — | $987 | 10.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS EIN 36-3086057 SERVICE PROVIDER | Direct payment from the plan; Participant communication; Float revenue; Other insurance fees and expenses; Named fiduciary; Claims processing; Insurance brokerage commissions and fees Service code 12 | 200 WEST ADAMS STREET SUITE 500 CHICAGO, IL 60606 | $49K |
| DIGITAL INSTANCE INC EIN 58-2522668 SERVICE PROVIDER | Insurance brokerage commissions and fees Service code 53 | 200 GALLERIA PKWY STE1950 ATLANTA, GA 30339 | $39K |
| CIGNA EIN 59-1031071 SERVICE PROVIDER | Other insurance fees and expenses Service code 73 | — | $16K |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 148 | $81K |
| Vision | EYEMED VISON CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | 143 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 135 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.