| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 660 AMERICAN AVE STE 101 KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.32% |
| HARDENBERGH INSURANCE GROUP3 Filed as: HARDENBERGH INSURANCE GRP | PO BOX 8000 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $118 | $0 | $118 | 0.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 660 AMERICAN AVE STE 101 KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.16% |
| HARDENBERGH INSURANCE GROUP3 Filed as: HARDENBERGH INSURANCE GRP | PO BOX 8000 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $141 | $0 | $141 | 0.84% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 660 AMERICAN AVE STE 101 KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 9.37% |
| HARDENBERGH INSURANCE GROUP3 Filed as: HARDENBERGH INSURANCE GRP | PO BOX 8000 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $97 | $0 | $97 | 0.63% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $233 | $2K | 25.97% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $939 | $0 | $939 | 15.06% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | $0 | $262 | 4.20% |
| CASEY H EBBERT3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.90% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.10% |
| UNITED TAX & FINANCE ADVISORY SERVI3 Filed as: UNITED TAX & FINANCE ADVISORY SER | 18135 CANAL POINT ST. TAMPA, FL 33647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.03% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $333 | $42 | $375 | 9.25% |
| JAMES MOORADIAN3 | 277 DARTMOUTH ST FL 4 BOSTON, MA 021162805 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 660 AMERICAN AVE STE 101 KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $325 | $0 | $325 | 9.31% |
| HARDENBERGH INSURANCE GROUP3 Filed as: HARDENBERGH INSURANCE GRP | PO BOX 8000 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24 | $0 | $24 | 0.69% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $26 | $181 | 32.50% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $0 | $109 | 19.57% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 2.33% |
| UNITED TAX & FINANCE ADVISORY SERVI3 Filed as: UNITED TAX & ADVISORY SERVI | 18135 CANAL POINTE ST. TAMPA, FL 33647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 2.33% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.54% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $4K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $4K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $15K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $17K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 61 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.