| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | — | $55K | 9.83% |
| ROGERS BENEFIT GROUP INC3 | 4811 BEACH BLVD #106 JACKSONVILLE, FL 32207 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $22K | $22K | 3.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 4.96% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEIT GROUP INC. | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 3.97% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.44% |
| SETH JASON KALKSTEIN3 | 60 AVON MEADOW LN AVON, CT 06001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $749 | — | $749 | 2.36% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 153 CORNERSTONE DR SOUTH WINDSOR, CT 06074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $749 | — | $749 | 2.36% |
| ROBERT D DAVEY3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $499 | — | $499 | 1.57% |
| STEPHEN P WHITTEMORE3 Filed as: STEPHEN WHITTEMORE | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $499 | — | $499 | 1.57% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE CO | $545 | — | $545 | 2.46% |
| SETH JASON KALKSTEIN3 | 60 AVON MEADOW LN AVON, CT 06001 | UNITED OF OMAHA LIFE INSURANCE CO | $500 | — | $500 | 2.26% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 153 CORNER STONE DR SOUTH WINDSOR, CT 06074 | UNITED OF OMAHA LIFE INSURANCE CO | $500 | — | $500 | 2.26% |
| ROBERT D DAVEY3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE CO | $333 | — | $333 | 1.51% |
| STEPHEN P WHITTEMORE3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE CO | $333 | — | $333 | 1.51% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $756 | — | $756 | 3.86% |
| SETH JASON KALKSTEIN3 | 60 AVON MEADOW LN AVON, CT 06001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $654 | — | $654 | 3.34% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 153 CORNERSTONE DR SOUTH WINDSOR, CT 06074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $654 | — | $654 | 3.34% |
| ROBERT D DAVEY3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $436 | — | $436 | 2.23% |
| STEPHEN P SHITTEMORE3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $436 | — | $436 | 2.23% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE CO | $456 | — | $456 | 2.44% |
| SETH JASON KALKSTEIN3 | 60 AVON MEADOW LN AVON, CT 06001 | UNITED OF OMAHA LIFE INSURANCE CO | $423 | — | $423 | 2.27% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CA 06074 | UNITED OF OMAHA LIFE INSURANCE CO | $423 | — | $423 | 2.27% |
| ROBERT D DAVEY3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE CO | $282 | — | $282 | 1.51% |
| STEPHEN P WHITTEMORE3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE CO | $282 | — | $282 | 1.51% |
| ENROLLEASE3 Filed as: ONE DIGITAL FARMINGTON | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYE MED | $1K | — | $1K | 9.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | THE HARTFORD | — | $263 | $263 | 17.53% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 5 PATTERSON PARK RD SUITE 1 FARMINGTON, CT 06032 | THE HARTFORD | $225 | — | $225 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 HLTH/VIS PROVIDER | Participant communication; Named fiduciary; Other commissions; Direct payment from the plan; Other services; Float revenue; Contract Administrator; Claims processing; Insurance brokerage commissions and fees; Non-monetary compensation Service code 12 | — | $234K |
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 | 146 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $562K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 141 | $134K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 215 | $574K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 172 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $32K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $562K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $562K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.