| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | — | $56K | 5.24% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE SUITE 2 DORAL, FL 331721200 | UNITEDHEALTHCARE INSURANCE COMPANY | $89 | — | $89 | 0.01% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | 31 CHESTNUT STREET CAMDEN, ME 04843 | ANTHEM HEALTH PLANS OF MAINE, INC. | $33K | — | $33K | 3.31% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 9.93% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | 31 CHESTNUT STREET, PO BOX 207 CAMDEN, ME 04843 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 8.29% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 207 CAMDEN, ME 04843 | ANTHEM HEALTH PLANS OF MAINE, INC. | $3K | — | $3K | 4.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 14.21% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE SUITE 2 MIAMI, FL 33172 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $212 | — | $212 | 0.79% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.96% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE SUITE 2 MIAMI, FL 33172 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $272 | — | $272 | 1.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.96% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $990 | $990 | 5.00% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE SUITE 2 MIAMI, FL 33172 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $205 | — | $205 | 1.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $954 | — | $954 | 14.05% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 850182151 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $340 | $340 | 5.01% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE SUITE 2 MIAMI, FL 33172 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $64 | — | $64 | 0.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $754 | — | $754 | 13.96% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $270 | $270 | 5.00% |
| HR BENEFIT ADVISORS3 Filed as: HR BENEFIT SERVICES INC | 10446 NW 31ST TERRACE SUITE 2 DORAL, FL 331721200 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57 | — | $57 | 1.06% |
| MARIO ELOY ROIZ3 Filed as: MARIO EROIZ | 10446 NW 31 TERRACE MIAMI, FL 33172 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2 | — | $2 | 6.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BLVD STE 850 MIAMI, FL 33161 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1 | — | $1 | 3.45% |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $2.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $152K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC. | 168 | $1.1M |
| Life insurance(3 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 157 | $105K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 157 | $91K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 157 | $98K |
| Other(4 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 157 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.