| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | OXFORD HEALTH INSURANCE, INC. | $19K | — | $19K | 3.83% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | OXFORD HEALTH INSURANCE, INC. | — | $11K | $11K | 2.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL BENEFITS ADVISORS | FARMINGTON CT 400 GALLERIA PARKWAY STE 300 ATLANTA, GA 30339 | OXFORD HEALTH INSURANCE, INC. | $7K | — | $7K | 1.42% |
| ADAM BRUCKMAN3 | DIGITAL INSURANCE INC. SUITE 1950 ATLANTA, GA 30339 | OXFORD HEALTH INSURANCE, INC. | $2K | — | $2K | 0.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $907 | $4K | 6.25% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 18.54% |
| CBIA SERVICE CORP.3 | 350 CHURCH STREET HARTFORD, CT 06103 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 11.79% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 92 | $491K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $61K |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 141 | $43K |
| Short-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 141 | $43K |
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 141 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.