| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 195 SCOTT SWAMP RD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 195 SCOTT SWAMP RD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 16.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 5.29% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES, INC | 909 ROSE AVE N BETHESDA, MD 20852 | PRINCIPAL LIFE INSURANCE COMPANY | $585 | — | $585 | 3.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $373 | — | $373 | 1.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 195 SCOTT SWAMP RD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $755 | — | $755 | 10.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY ATLANTA, GA 30339 | LEGAL RESOURCES | $450 | — | $450 | 6.45% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | MAGELLAN HEALTH SERVICES | $511 | — | $511 | 11.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 1.84% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 120 | $22K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $58K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $49K |
| Other(6 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 160 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.