| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $739 | $69 | $808 | 5.90% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $685 | $0 | $685 | 5.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 400 BERWYN PARK STE 200 899 CASATT ROAD BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | $2K | $589 | $2K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREMARK, INC. EIN 61-1617506 ADMIN | Claims processing Service code 12 | — | $32K |
| THE LOOMIS COMPANY ADMIN | Claims processing Service code 12 | 850 N PARK RD WYOMISSING, PA 19610 | $27K |
| TEKCARE NJ LLC ADMIN | Claims processing Service code 12 | 818 SHREWSBURY AVE TINTON FALLS, NJ 07724 | $21K |
| WILLIS OF ILLINOIS ADMIN | Claims processing Service code 12 | 233 S WACKER DR #2000 CHICAGO, IL 60606 | $16K |
| MULTIPLAN INC. (PHCS) ADMIN | Claims processing Service code 12 | 115 5TH AVE #7 NEW YORK, NY 10003 | $1K |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 19 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 31 | $12K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 31 | $12K |
| Other | HARTFORD LIFE AND ACCIDENT | 31 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.