| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYARX CAPITAL ADVISORS3 | 101 CRAWFORDS CORNER ROAD SUITE 1300 HOLMDEL, NJ 07733 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 7.10% |
| PAUL AMATA3 | 29 SOUTH MAIN STREET SUITE 201 WEST HARTFORD, CT 06107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.42% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET SUITE 201 WEST HARTFORD, CT 06107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.42% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 ROUTE 9 NORTH SUITE 200 WOODBRIDGE, NJ 07095 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.84% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $165 | $165 | 0.09% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 ROUTE 9 NORTH SUITE 200 WOODBRIDGE, NJ 07095 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.54% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD, SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 2.54% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.42% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 7639 E PINNACLE RD STE 100 SCOTTSDALE, AZ 85255 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.45% |
| DIGITAL INSURANCE LLC3 | 3440 PRESTON RIDGE RD. #325 ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | $612 | — | $612 | 1.63% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 7639 E PINNACLE RD STE 100 SCOTTSDALE, AZ 85255 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 22.48% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 16 MAIN ST. EAST GREENWICH, RI 02818 | STANDARD INSURANCE COMPANY | $498 | — | $498 | 3.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 3440 PRESTON RIDGE RD. #325 ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | $67 | — | $67 | 0.43% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE GROUP | $776 | — | $776 | 5.94% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 US HIGHWAY 9 N STE 200 WOODBRIDGE, NJ 07095 | AMERITAS LIFE INSURANCE GROUP | $753 | — | $753 | 5.76% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | AMERITAS LIFE INSURANCE GROUP | $376 | — | $376 | 2.88% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $73K |
| Vision | AMERITAS LIFE INSURANCE GROUP | 226 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 220 | $38K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 119 | $178K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 119 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.