| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 8.65% |
| KISTLE TIFFANY BENEFITS GEN. AGENCY3 | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 7.45% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 22417 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $0 | $1K | 1.81% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $948 | $0 | $948 | 1.51% |
| KISTLE TIFFANY BENEFITS GEN. AGENCY3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $191 | $2K | 23.44% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES, LLC | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $365 | $365 | 4.37% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PRINCIPAL LIFE INSURANCE COMPANY | $233 | $0 | $233 | 2.79% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $59 | $59 | 0.71% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 109 | $63K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 109 | $63K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $72K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $72K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $72K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.