| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 3.92% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.76% |
| RUGGIERI CONSULTING GROUP LLC3 Filed as: RUGGIERI CONSULTING | 355 LEXINGTON AVENUE 22ND FLOOR NEW YORK, NY 10017 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.37% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE 22ND FL NEW YORK, NY 10017 | HARTFORD LIFE AND ACCIDENT | $9K | $2K | $11K | 6.38% |
| ROBERT D WOLF3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 10017 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 1.52% |
| WOLF, ROBERT D3 | 511 GRASSMERE AVE INTERLAKEN, NJ 07712 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 7.49% |
| ROBERT D WOLF3 Filed as: ROBERT D. WOLF III | 511 GRASSMERE AVE INTERLAKEN, NJ 07712 | UNION SECURITY INSURANCE COMPANY | $69 | $0 | $69 | 2.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $649K |
| DIGITAL INSURANCE COMPANY NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $246K |
| AETNA BEHAVORIAL HEALTH, LLC NONE | Other services; Contract Administrator Service code 13 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $13K |
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 | 785 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 636 | $564K |
| Dental | AETNA LIFE INSURANCE COMPANY | 761 | $387K |
| Vision | AETNA LIFE INSURANCE COMPANY | 761 | $387K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 784 | $168K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 166 | $33K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 784 | $168K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 636 | $564K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 784 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 784 | — |
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.