| 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 | $7K | $1K | $8K | 5.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $4K | $1K | $5K | 4.79% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $4K | $628 | $4K | 6.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METLIFE LEGAL PLANS | $3K | $454 | $4K | 10.43% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $3K | $216 | $3K | 13.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $3K | $158 | $3K | 15.78% |
| 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% |
| DENNIS GOMES3 | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $81 | — | $81 | 0.75% |
| PETER S NOVAK3 Filed as: PETER S. NOVAK | 42 CORD GRASS CT FERNANDINA BEACH, FL 320340058 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $43 | — | $43 | 0.40% |
| ANDREW L MOORE3 Filed as: ANDREW L. MOORE | 1700 S PAVILION CENTER DR STE 320 LAS VEGAS, NV 891351862 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $20 | — | $20 | 0.18% |
| TIMOTHY G MALONEY3 Filed as: TIMOTHY G. MALONEY | 233 S. MAIN ST STE 107 WEST HARTFORD, CT 06110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD | $1K | $82 | $2K | 15.84% |
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 | 663 | 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) | 663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 6 | $144K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,081 | $504K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 1,048 | $69K |
| Life insurance(2 contracts) | RELIANCE STANDARD | 663 | $183K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 663 | $169K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 6 | $144K |
| Other(6 contracts, 3 carriers) | RELIANCE STANDARD | 663 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,081 | — |
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.