| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS-FARMINGTON | 300 GALLERIA PKWY SE STE 1100 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 3.27% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC CT | 240 MAIN ST. FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 0.92% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC.- CONNECTI | 240 MAIN ST. STE A FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.50% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS ENEFIT GROUP, INC. | 5110 N. 40TH ST STE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $835 | $835 | 0.06% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $3K | $640 | $4K | 7.44% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 21.91% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 300 GALLERIA PARKWAY SE STE 1100 ATLANTA, GA 30339 | VISION SERVICE PLAN | $714 | — | $714 | 7.70% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.3M |
| Vision | VISION SERVICE PLAN | 121 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 179 | $54K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 179 | $54K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 179 | $54K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 179 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.