| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 11.46% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FL CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 9.89% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $907 | — | $907 | 3.53% |
| HORACIO J. CABRAL3 Filed as: HORACIO J CABRAL | 37 DARTMOUTH LN EAST LONGMEADOW, MA 01028 | TRANSAMERICA LIFE INSURANCE COMPANY | $644 | — | $644 | 2.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS, INC. | $965 | $182 | $1K | 11.05% |
| HORACIO J. CABRAL4 Filed as: HORACIO J CABRAL | 37 DARTMOUTH LN EAST LONGMEADOW, MA 01028 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $157 | — | $157 | 4.02% |
| HORACIO J. CABRAL3 | 37 DARTMOUTH LN. EAST LONGMEADOW, MA 01028 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $39 | — | $39 | 3.07% |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SKYWARD SPECIALTY INSURANCE | 146 | $173K |
| Vision | ANTHEM HEALTH PLANS, INC. | 179 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $96K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $96K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $96K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.