| 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 | $45K | $1K | $46K | 1.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 01073 | HARVARD PILGRIM HEALTH CARE | $8K | $2K | $10K | 0.36% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HPHC INSURANCE COMPANY | $5K | — | $5K | 1.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 01073 | HPHC INSURANCE COMPANY | $2K | $468 | $2K | 0.54% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 4.84% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $6K | $13K | 4.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE SUITE 3202 NEW YORK, NY 10166 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $807 | $2K | $3K | 1.20% |
| NEW YORK RHB, LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $552 | $2K | 12.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $130 | $1K | 7.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM INSURANCE COMPANY | $2K | $150 | $2K | 18.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $318 | $77 | $395 | 3.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM INSURANCE COMPANY | $2K | $183 | $2K | 18.88% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $329 | $80 | $409 | 3.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $989 | $248 | $1K | 14.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM INSURANCE COMPANY | $670 | $67 | $737 | 8.88% |
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 | 374 | 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) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 447 | $3.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 316 | $267K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 316 | $267K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $18K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.