| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE SUITE 1601 CLEVELAND, OH 44114 | DELTA DENTAL OF NJ, INC. | $1K | $0 | $1K | 0.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | THE HARTFORD LIFE & ACCIDENT | $17K | $12K | $29K | 5.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS, INC. | 470 ATLANTIC AVENUE BOSTON, MA 02210 | THE HARTFORD LIFE & ACCIDENT | $13K | $0 | $13K | 2.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $2K | $6K | 1.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 44114 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $1K | $1K | 0.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $12K | $0 | $12K | 14.28% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | SIMNSA | $419 | $0 | $419 | 0.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE SUITE 1601 CLEVELAND, OH 44114 | SIMNSA | $152 | $0 | $152 | 0.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | THE HARTFORD LIFE AND ACCIDENT | $703 | $0 | $703 | 5.00% |
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 | 1,234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 68 | $471K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 1,173 | $765K |
| Vision(2 contracts) | EYEMED VISION CARE | 1,119 | $138K |
| Life insurance | THE HARTFORD LIFE & ACCIDENT | 1,375 | $550K |
| Short-term disability | THE HARTFORD LIFE & ACCIDENT | 1,375 | $550K |
| Long-term disability | THE HARTFORD LIFE & ACCIDENT | 1,375 | $550K |
| Other(3 contracts, 2 carriers) | THE HARTFORD LIFE & ACCIDENT | 1,375 | $622K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,375 | — |
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.