| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $101K | $101K | 3.67% |
| PHILIP RUGGIERI3 | 80 OVERHILL RD MOUNT VERNON, NY 105521340 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $18K | $18K | 0.65% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $5K | $22K | 5.51% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.65% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 7.89% |
| RUGGIERI, PHILIP3 | C/O RUGGIERI CONSULTING 355 LEXINGTON AVE 22ND FL NEW YORK, NY 10017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.10% |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 164 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 659 | $403K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $115K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $115K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $115K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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.