| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISOR | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 2.31% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 2.20% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 1.71% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $1K | $0 | $1K | 2.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $1K | $0 | $1K | 2.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE COMPANY | $2K | $429 | $2K | 7.70% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | ANTHEM LIFE INSURANCE COMPANY | $670 | $0 | $670 | 2.58% |
| JAMES T KINNEY3 Filed as: JAMES T. KINNEY | 1429 WARWICK AVENUE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS, INC. | $300 | $66 | $366 | 6.83% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | ANTHEM HEALTH PLANS, INC. | $230 | $0 | $230 | 4.30% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $547K |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 89 | $44K |
| Vision | ANTHEM HEALTH PLANS, INC. | 82 | $5K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 164 | $26K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 164 | $26K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $547K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 164 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
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.