| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL AMATA3 | 29 SOUTH MAIN STREET SUITE 201 WEST HARTFORD, CT 06107 | RELIANCE MATRIX | $12K | — | $12K | 5.70% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET SUITE 201 WEST HARTFORD, CT 06107 | RELIANCE MATRIX | $12K | — | $12K | 5.70% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | RELIANCE MATRIX | — | $150 | $150 | 0.07% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF CONNECTICUT, INC. | $2K | — | $2K | 2.43% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | DELTA DENTAL OF CONNECTICUT, INC. | $2K | — | $2K | 2.43% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $3K | $1K | $4K | 9.13% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $5K | $92 | $5K | 18.87% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR. STE 215 FT. WASHINGTON, PA 19034 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.51% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD. STE 240 CRANSTON, RI 02920 | STANDARD INSURANCE COMPANY | $865 | $19 | $884 | 3.29% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE GROUP | $2K | $552 | $3K | 17.74% |
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 | 221 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 104 | $78K |
| Vision | AMERITAS LIFE INSURANCE GROUP | 222 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 221 | $44K |
| Short-term disability | RELIANCE MATRIX | 123 | $202K |
| Long-term disability | RELIANCE MATRIX | 123 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.