| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $18K | $18K | 4.01% |
| DIGITAL INSURANCE LLC3 | — | COMMUNITY INSURANCE COMPANY | $17K | $2K | $19K | 6.10% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | COMMUNITY INSURANCE COMPANY | — | $7K | $7K | 2.23% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | HARTFORD LIFE AND ACCIDENT | $14K | $7K | $22K | 16.80% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $489 | $2K | 19.69% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $59 | $2K | 24.22% |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $767K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $767K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $767K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 161 | $128K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 161 | $128K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 161 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
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.