| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $76K | $418 | $76K | 56.89% |
| INSURANCE OFFICE OF AMERICA3 | 130 VANTIS STE 250 ALISO VIEJO, CA 92656 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 4.80% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET STE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 3.96% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | AETNA LIFE INSURANCE CO. | $635 | — | $635 | 0.47% |
| INSURANCE OF AMERICA3 Filed as: INSURANCE OF AMERICA, INC. | 1451 ROUTE 34, SUITE 101 FARMINGDALE, NJ 07727 | DELTA DENTAL OF NJ, INC | $3K | — | $3K | 2.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE OFFICE OF AMERICA EIN 59-2472656 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 302 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC | 157 | $122K |
| Vision | AETNA LIFE INSURANCE CO. | 302 | $134K |
| Life insurance | AETNA LIFE INSURANCE CO. | 302 | $134K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 302 | $134K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 302 | $134K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 162 | $481K |
| Other | AETNA LIFE INSURANCE CO. | 302 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.