| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HPHC INSURANCE COMPANY | $21K | $26K | $47K | 2.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | $6K | — | $6K | 1.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STEPHEN M. BROWN | 30 INTERNATIONAL DR. STE 101 PORTSMOUTH, NH 03801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 4.14% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.82% |
| JEREMY STOWE3 Filed as: JEREMY T. STOWE | 275 PROMENADE ST. PROVIDENCE, RI 02908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $111 | — | $111 | 0.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 4.52% |
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 | 268 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC INSURANCE COMPANY | 0 | $2.0M |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | 615 | $310K |
| Vision | VISION SERVICE PLAN | 216 | $32K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $268K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $268K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $268K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.