| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 45236 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $34K | — | $34K | 1.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | — | $31K | $31K | 0.91% |
| HAUSER INC3 | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 45236 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $24K | — | $24K | 1.81% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | $3K | $7K | 0.51% |
| HAUSER INC3 | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | — | $22K | 6.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 4.06% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 45236 | VISION SERVICE PLAN | $2K | — | $2K | 5.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $50 | — | $50 | 0.12% |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 208 | $4.7M |
| Vision | VISION SERVICE PLAN | 356 | $43K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 577 | $362K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 577 | $362K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 577 | $362K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 577 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 577 | — |
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.