| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $53K | $18K | $71K | 15.07% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | DELTA DENTAL OF PENNSYLVANIA | $11K | — | $11K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 21.41% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM LOOP DR CAMDEN, NJ 08103 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $583 | — | $583 | 3.94% |
| MULLANEY ENTERPRISES LLC3 | 55012 TWIN KNOLLS RD COLUMBIA, MD 21045 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $409 | — | $409 | 2.76% |
| GREG W WOOLLEY3 Filed as: GREG W. WOOLLEY | 15492 CLIFFVIEW DRIVE MONTCLAIR, VA 22026 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.46% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVENUE N BETHESDA, MD 20852 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.24% |
| GUSTAVO TODE3 | 20607 DUCK POND PL GERMANTOWN, MD 20874 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.16% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | ALPHA DENTAL PROGRAMS | $572 | — | $572 | 5.00% |
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 | 546 | 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) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 284 | $224K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 530 | $52K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 546 | $487K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 546 | $472K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 546 | $472K |
| Other | HARTFORD LIFE AND ACCIDENT | 546 | $472K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.