| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $6K | $9K | $15K | 9.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $4K | $7K | $10K | 10.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $3K | $4K | $8K | 8.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METLIFE LEGAL PLANS | $3K | $598 | $3K | 11.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $3K | $2K | $4K | 19.25% |
| MASSACHUSETTS BANKERS ASSOCIATION3 Filed as: MASSACHUSETTS FINANCIAL SERVICES IN | ONE WASHINGTON MALL 8TH FLOOR BOSTON, MA 02108 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $3K | $1K | $4K | 21.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $2K | — | $2K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $1K | $589 | $2K | 20.98% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $49 | $220 | $269 | 3.12% |
| DENNIS GOMES3 | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $184 | — | $184 | 2.13% |
| TIMOTHY G MALONEY3 Filed as: TIMOTHY G. MALONEY | 233 S. MAIN ST STE 107 WEST HARTFORD, CT 06110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $182 | — | $182 | 2.11% |
| BRAD SOMMA3 | 48 S. SERVICE RD STE 400 MELVILLE, NY 11747 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $38 | — | $38 | 0.44% |
| ANDREW L MOORE3 Filed as: ANDREW L. MOORE | 4695 MACARTHUR CT STE 1000 NEWPORT BEACH, CA 92660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $20 | — | $20 | 0.23% |
| PETER S NOVAK3 Filed as: PETER S. NOVAK | 42 CORD GRASS CT FERNANDINA BEACH, FL 320340058 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $648 | $362 | $1K | 17.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $2K | — | $2K | 100.00% |
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 | 688 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 7 | $165K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,130 | $509K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 1,106 | $86K |
| Life insurance(2 contracts) | RELIANCE STANDARD | 688 | $186K |
| Short-term disability | RELIANCE STANDARD | 26 | $6K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 688 | $163K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 7 | $165K |
| Other(8 contracts, 3 carriers) | RELIANCE STANDARD | 688 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,130 | — |
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."
No prospect flags tripped on this filing.