| 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 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $22K | $7K | $29K | 1.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 201572 DALLAS, TX 75320 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $28K | $0 | $28K | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4350 WEST CYPRESS ST. SUITE 300 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $6K | $7K | $13K | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4350 WEST CYPRESS ST. SUITE 300 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $6K | $0 | $6K | 0.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 201572 DALLAS, TX 75320 | DELTA DENTAL OF MASSACHUSETTS | $5K | $0 | $5K | 1.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MASSACHUSETTS | $3K | $0 | $3K | 1.09% |
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PARKWAY SE SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203312 DALLAS, TX 75320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $990 | $1K | $2K | 3.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 200 BERKELEY ST. 23RD FLOOR BOSTON, MA 02116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.10% |
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PARKWAY SE SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.97% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203312 DALLAS, TX 75320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $483 | $788 | $1K | 3.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 200 BERKELEY ST. 23RD FLOOR BOSTON, MA 02116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | PO BOX 201572 DALLAS, TX 75320 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $138 | $0 | $138 | 0.63% |
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PARKWAY SE SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $577 | $0 | $577 | 5.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203312 DALLAS, TX 75320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $144 | $252 | $396 | 3.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SERVICES NATIONAL INC | 200 BERKELEY ST 23RD FLOOR BOSTON, MA 02116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $350 | $0 | $350 | 3.27% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 621 | $2.8M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 608 | $286K |
| Vision | VISION SERVICE PLAN | 182 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $58K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.