| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE,INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $79K | — | $79K | 1.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 3 COPLEY PLACE, SUITE 300 BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $103 | — | $103 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE,INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | HPHC INSURANCE COMPANY | $9K | — | $9K | 1.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | 3 COPLEY PLACE SUITE 300 BOSTON, MA 02116 | HPHC INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | $13K | $83K | 12.29% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 1.48% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | FOUR EVER LIFE INS CO | $4K | — | $4K | 10.00% |
| INDIGO INSURANCE SERVICES0 | 101 HUNTINGTON AVE STE 1300 BOSTON, MA 02199 | FOUR EVER LIFE INS CO | — | $3K | $3K | 8.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE,INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $17K | $4K | $21K | — |
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 | 652 | 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) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 1,404 | $8.3M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 1,630 | $0 |
| Vision | VISION SERVICE PLAN | 503 | $68K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 652 | $673K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 652 | $673K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 652 | $673K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 1,404 | $8.3M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 652 | $801K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,630 | — |
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.