| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | COMMUNITY INSURANCE COMPANY | $28K | $2K | $30K | 3.19% |
| DIGITAL INSURANCE LLC3 | — | COMMUNITY INSURANCE COMPANY | $4K | — | $4K | 0.43% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | HARTFORD LIFE AND ACCIDENT | $12K | $6K | $18K | 15.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 10.75% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 3.30% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC DBA ONEDIGITA | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $551 | — | $551 | 0.95% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $858 | — | $858 | 31.34% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 104 | $938K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 70 | $58K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 70 | $58K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 153 | $122K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 153 | $122K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 153 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.