| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5 | $55K | $55K | 2.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $7K | $23K | 14.65% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $3K | $14 | $3K | 6.57% |
| DAVID SCHENKEL JR3 | 4000 BLACKBURN LN STE 260 BURTONSVILLE, MD 20866 | AFLAC | $2K | $12 | $2K | 5.01% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $502 | — | $502 | 1.10% |
| SUSAN BUCKA3 | 4000 BLACKBURN LN STE 260 BURTONSVILLE, MD 20866 | AFLAC | $252 | $5 | $257 | 0.56% |
| MJ INSURANCE3 Filed as: MICHAEL SUMMERS AND VARIOUS AGENTS | 6204 CHEVERLY PARK DR CHEVERLY, MD 20785 | AFLAC | $188 | — | $188 | 0.41% |
| NICOLE DRESNER3 | 4000 BLACKBURN LN STE 260 BURTONSVILLE, MD 20866 | AFLAC | $84 | — | $84 | 0.18% |
| STEFANIE LYNN RISHTY3 | 9702 BRIXTON LN BETHESDA, MD 20817 | AFLAC | $64 | — | $64 | 0.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 5.03% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $381 | — | $381 | 5.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $111 | $137 | $248 | 3.82% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $912 | $912 | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON | 12505 PARK AVE POTOMAC POTOMAC, MD 20854 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $684 | — | $684 | 15.00% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 157 | $2.7M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 171 | $143K |
| Vision | VISION SERVICE PLAN | 170 | $27K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $160K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $160K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $167K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 157 | $2.7M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.