| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HIP HEALTH PLAN OF NEW YORK | $55K | $0 | $55K | 3.87% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HIP HEALTH PLAN OF NEW YORK | $19K | $0 | $19K | 3.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 80 OVERHILL ROAD MOUNT VERNON, NY 10552 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 8.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | SUITE 300 400 GALLERIA PKWY ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.26% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $780 | $5K | $6K | 5.99% |
| PHILIP RUGGIERI3 | 80 OVERHILL ROAD MOUNT VERNON, NY 10552 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.78% |
| PHILIP RUGGIERI3 | 80 OVERHILL RD MOUNT VERNON, NY 105521340 | UNITED HEALTHCARE INSURANCE COMPANY | $535 | $0 | $535 | 5.58% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HIP HEALTH PLAN OF NEW YORK | 182 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $96K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 122 | $10K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 290 | $119K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 290 | $119K |
| Other(3 contracts, 2 carriers) | HIP HEALTH PLAN OF NEW YORK | 290 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.