| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY STE 300 ATLANTA, GA 303393182 | HARTFORD LIFE AND ACCIDENT | $61K | $8K | $69K | 6.15% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 9102 P.O. BOX 8500 PHILADELPHIA, PA 19178 | HARTFORD LIFE AND ACCIDENT | $42K | — | $42K | 3.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY STE 300 ATLANTA, GA 303393182 | HARTFORD LIFE AND ACCIDENT | $28K | $5K | $33K | 3.41% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 9102 P.O. BOX 8500 PHILADELPHIA, PA 19178 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 2.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY STE 300 ATLANTA, GA 303393182 | HARTFORD LIFE AND ACCIDENT | $9K | $2K | $11K | 7.23% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC | PO BOX 8500 LOCKBOX #9102 PHILADELPHIA, PA 19178 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 2.12% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 9102 P.O. BOX 8500 PHILADELPHIA, PA 19178 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| OVATION BENEFITS GROUP LLC3 Filed as: OVATION BENEFITS GROUP, LLC | 5 BATTERSON PARK RD. FARMINGTON, CT 06032 | CONTINENTAL CASUALTY COMPANY | $719 | — | $719 | 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 | 2,817 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,878 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,817 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,776 | $962K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,817 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,817 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.