| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $16K | — | $16K | 1.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 6.65% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE IN | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 16.79% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $681 | — | $681 | 5.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY #300 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $97 | $235 | $332 | 2.84% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 245 SUMMER STREET ZW9A BOSTON, MA 02210 | AETNA LIFE INSURANCE COMPANY | $194 | — | $194 | 1.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED ADMINISTRATION CORP EIN 06-0988547 TPA | Claims processing Service code 12 | 369 N MAIN ST MARLBOROUGH, CT 06447 | $6K |
| ONE DIGITAL INSURANCE INC EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | $2K |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 206 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 208 | $12K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 102 | $28K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $26K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 102 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.