| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVO BENEFITS GROUP3 Filed as: INNOVO BENEFITS GROUP LLC | 86 BAKER AVENUE EXT, STE 309 CONCORD, MA 01742 | UNITED HEALTHCARE INSURANCE COMPANY | $167K | $0 | $167K | 2.74% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $43 | $0 | $43 | 0.00% |
| INNOVO BENEFITS GROUP3 Filed as: INNOVO BENEFITS GROUP, LLC | 86 BAKER AVENUE EXT, STE 309 CONCORD, MA 01742 | UNITED HEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 6.40% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $675 | $0 | $675 | 0.18% |
| INNOVO BENEFITS GROUP3 Filed as: INNOVO BENEFITS GROUP LLC | 86 BAKER AVENUE EXTENSION, STE 309 CONCORD, MA 01742 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.11% |
| INNOVO BENEFITS GROUP3 Filed as: INNOVO BENEFITS GROUP LLC | 86 BAKER AVENUE EXT, STE 309 CONCORD, MA 01742 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 9.16% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $74 | $0 | $74 | 0.15% |
| INNOVO BENEFITS GROUP3 Filed as: INNOVO BENEFITS GROUP LLC | 86 BAKER AVENUE EXTENSION CONCORD, MA 01742 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 11.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $334 | $0 | $334 | 1.72% |
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 | 650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 459 | $6.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 464 | $378K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 403 | $50K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 812 | $139K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 812 | $139K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 812 | $139K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 812 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.