| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | — | $31K | $31K | 2.63% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $4K | $19K | $23K | 1.93% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $18K | $3K | $21K | 1.77% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 4 FOREST PARK DRIVE FARMINGTON, CT 06032 | AETNA LIFE INSURANCE COMPANY | — | $121 | $121 | 0.01% |
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES GROUP, LLC | 930 MERIDEN WATERBURY TURNPIKE SUITE 2A PLANTSVILLE, CT 06479 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 5.75% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 2.71% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | EYEMED | $588 | — | $588 | 6.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 3207 BOSTON, MA 02241 | EYEMED | $306 | — | $306 | 3.39% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 265 | $1.2M |
| Vision | EYEMED | 257 | $9K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 154 | $43K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 154 | $43K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 265 | $1.2M |
| Other | UNION SECURITY INSURANCE COMPANY | 154 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.