| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | OXFORD HEALTH INSURANCE, INC | $68K | $0 | $68K | 3.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC- NYC | 101 PARK AVE FL 12 NEW YORK, NY 10178 | OXFORD HEALTH INSURANCE, INC | -$414 | $0 | -$414 | -0.02% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST FL 4 NEW YORK, NY 100144500 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$28 | -$28 | -0.01% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$3K | -$3K | -1.24% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC DBA | ONEDIGITAL HEALTH AND BENEFITS 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $12K | $2K | $14K | 11.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $0 | $0 | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 12.20% |
| ENROLLEASE3 Filed as: ONE DIGITAL - NEW YORK, NY | 200 GALLERIA PKY #1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $866 | $0 | $866 | 12.27% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $1K | $0 | $1K | 20.01% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 355 LEXINGTON AVENUE 12TH FLOOR NEW YORK, NY 10017 | FEDERAL INSURANCE COMPANY | $951 | $0 | $951 | 14.99% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 204 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 78 | $71K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 128 | $7K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $394K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 123 | $117K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 123 | $117K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.