| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HIGHMARK INC. | $33K | — | $33K | 3.64% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNITED CONCORDIA LIFE AND INSURANCE COMPANY | $9K | — | $9K | 11.00% |
| SCOTT T JACOB3 | 573 BELLEVUE RD STE B NEWARK, DE 19173 | AFLAC | $4K | $267 | $4K | 13.97% |
| FREDERICK W WILSON III3 | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $579 | $53 | $632 | 2.22% |
| LEILA RAPPAPORT3 | 123 MENDEL CT BEAR, DE 19701 | AFLAC | $191 | $53 | $244 | 0.86% |
| JOHN T CAPOZZI3 | 254 CHAPMAN RD STE 203 NEWARK, DE 19702 | AFLAC | $163 | — | $163 | 0.57% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $54 | — | $54 | 0.19% |
| JAY W COMBS3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $52 | — | $52 | 0.18% |
| CHRIS A SALSMAN3 | 1081 NEW BURTON RD DOVER, DE 19904 | AFLAC | $19 | — | $19 | 0.07% |
| REGINALD L BROOME3 | 8 LYNNBROOM LN DOVER, DE 19904 | AFLAC | $7 | — | $7 | 0.02% |
| SHEM J BOSTICK3 | 1325 MOUNT HERMON RD STE 13B SALISBURY, MD 21804 | AFLAC | $6 | — | $6 | 0.02% |
| RANDY S SCHWARTZ3 | 16 PERHALL CT NOTTINGHAM, MD 21236 | AFLAC | $5 | — | $5 | 0.02% |
| MICHAEL EDWARD RISKA3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $3 | — | $3 | 0.01% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $3 | — | $3 | 0.01% |
| JASON D ELLIS3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $3 | — | $3 | 0.01% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $3 | — | $3 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $2 | — | $2 | 0.01% |
| RYAN BENEFITS INC3 Filed as: RYAN RENTSCHLER | 205 CIVIC AVE SALISBURY, MD 21804 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.00% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $0 | — | $0 | 0.00% |
| ANGELE P RYAN3 | 852 SAIN EDMONDS PL ANNAPOLIS, MD 21401 | AFLAC | $0 | — | $0 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $0 | — | $0 | 0.00% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $0 | — | $0 | 0.00% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $0 | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $3K | — | $3K | 12.06% |
| DELAWARE ANCILLARY INSURANCE AGENCY3 Filed as: DELAWARE ANCILLARY | INSURANCE AGENCY INC 800 DELAWARE AVE SUITE 900 WILMINGTON, DE 19801 | USABLE LIFE | $515 | — | $515 | 2.46% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $899 | — | $899 | 6.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $2K | — | $2K | 12.10% |
| DELAWARE ANCILLARY INSURANCE AGENCY3 Filed as: DELAWARE ANCILLARY | INSURANCE AGENCY INC 800 DELAWARE AVE SUITE 900 WILMINGTON, DE 19801 | USABLE LIFE | $308 | — | $308 | 2.46% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $2K | — | $2K | 15.00% |
| DELAWARE ANCILLARY INSURANCE AGENCY3 Filed as: DELAWARE ANCILLARY | INSURANCE AGENCY INC 800 DELAWARE AVE SUITE 900 WILMINGTON, DE 19801 | USABLE LIFE | $436 | — | $436 | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $664 | — | $664 | 15.00% |
| DELAWARE ANCILLARY INSURANCE AGENCY3 Filed as: DELAWARE ANCILLARY | INSURANCE AGENCY INC 800 DELAWARE AVE SUITE 900 WILMINGTON, DE 19801 | USABLE LIFE | $443 | — | $443 | 10.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $113 | — | $113 | 15.03% |
| DELAWARE ANCILLARY INSURANCE AGENCY3 Filed as: DELAWARE ANCILLARY | INSURANCE AGENCY INC 800 DELAWARE AVE SUITE 900 WILMINGTON, DE 19801 | USABLE LIFE | $75 | — | $75 | 9.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PKWY #300 ATLANTA, GA 30339 | FEDERAL INSURANCE COMPANY | $150 | — | $150 | 20.00% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 200 | $935K |
| Dental | UNITED CONCORDIA LIFE AND INSURANCE COMPANY | 177 | $81K |
| Vision | VISION SERVICE PLAN | 90 | $14K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 127 | $45K |
| Short-term disability | USABLE LIFE | 127 | $21K |
| Long-term disability | USABLE LIFE | 127 | $11K |
| Other(5 contracts, 3 carriers) | AFLAC | 127 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.