| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE BENEFIT ADMINISTRATORS OF MASS3 | PO BOX 55917 BOSTON, MA 022055917 | HCC BENEFITS CORP. | — | $147K | $147K | 35.03% |
| DIGITAL INSURANCE LLC3 | 2 COMMERCIAL STREET SDTE 101 SHARON, MA 02067 | HCC LIFE INSURANCE COMPANY | $76K | — | $76K | 18.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCES LLC | 3333 RIVERWOOD PRKWY STE 400 ATLANTA, GA 30339 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 0.42% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PRKWY SE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.77% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PRKWY SE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE ATLANTA, GA 30339 | UNITED OF IMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.96% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PRKWY SE ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $615 | — | $615 | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PRKWY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MASSACHUSETTS | $8K | — | $8K | — |
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 | 358 | 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) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC BENEFITS CORP. | 296 | $421K |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 537 | $0 |
| Vision | EYE MED | 186 | $13K |
| Life insurance | UNITED OF IMAHA LIFE INSURANCE COMPANY | 358 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $51K |
| Other(4 contracts, 4 carriers) | HCC LIFE INSURANCE COMPANY | 358 | $511K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.