| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 STE 1650 ATLANTA, GA 303395946 | HARVARD PILGRIM HEALTH CARE | $86K | — | $86K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN GROUP ASSOCIATES | 3438 PEACHTREE RD NE #1100 ATLANTA, GA 30326 | HARVARD PILGRIM HEALTH CARE | $81K | — | $81K | 1.28% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT | — | HARVARD PILGRIM HEALTH CARE | $970 | — | $970 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 STE 1650 ATLANTA, GA 303395946 | HPHC INSURANCE COMPANY | $29K | — | $29K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN GROUP ASSOCIAATES | 3438 PEACHTREE RD NE #1100 ATLANTA, GA 30326 | HPHC INSURANCE COMPANY | $28K | — | $28K | 1.28% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT | 3805 EDWARDS RD # 200 CINCINATI, OH 45209 | HPHC INSURANCE COMPANY | $331 | — | $331 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 STE 1650 ATLANTA, GA 303395946 | BLUE CROSS BLUE SHIELD OF MASSACHUTTS | $4K | — | $4K | 4.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 STE 1650 ATLANTA, GA 303395946 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.03% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 75 | $6.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUTTS | 230 | $96K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $75K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $75K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $75K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.