| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 2.37% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NEW ENGLAND INC. | 1 FINANCIAL PLAZA HARTFORD, CT 06103 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 1.69% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY #1950 ATLANTA, GA 30339 | DELTA DENTAL OF NEW JERSEY | $7K | — | $7K | 4.04% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NE INC. | ONE FINANCIAL PLAZA 2ND FL HARTFORD, CT 06103 | DELTA DENTAL OF NEW JERSEY | $5K | — | $5K | 3.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NEW ENGLAND, INC. | 755 MAIN STREET HARTFORD, CT 06103 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 7.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PKWY STE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $948 | — | $948 | 3.49% |
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 | 206 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 404 | $2.4M |
| Dental | DELTA DENTAL OF NEW JERSEY | 204 | $164K |
| Vision | VISION SERVICE PLAN | 209 | $27K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $85K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $85K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $85K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.