| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $48K | $35K | $82K | 3.44% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HPHC INSURANCE COMPANY | $7K | $5K | $12K | 3.38% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $14K | $21K | 7.02% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 4.22% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVE SUITE 200 TINTON FALLAS, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $845 | — | $845 | 0.28% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $4K | $1K | $5K | 12.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM INSURANCE COMPANY | $4K | $196 | $4K | 9.18% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | — | $10 | $10 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 21.37% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 3.56% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $3K | $837 | $4K | 11.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM INSURANCE COMPANY | $3K | $164 | $3K | 9.13% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | — | $12 | $12 | 0.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $4K | $903 | $5K | 21.88% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | — | $108 | $108 | 0.47% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 0 | $2.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $300K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $300K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $37K |
| Other(4 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 195 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.