| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PKWY #300 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | $310K | $32K | $342K | 2.56% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $58K | $4 | $58K | 4.05% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FIN. SVCS. INC. | 3 WATERS PARK DRIVE, SUITE 100 SAN METEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC. | — | $4K | $4K | 0.28% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $80K | — | $80K | 13.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $4K | — | $4K | 1.52% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 13.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 13.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONCERN EAP | $2K | — | $2K | 5.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FIN. SVCS. INC. | 3 WATERS PARK DRIVE, SUITE 100 SAN METEO, CA 94403 | GBG HOLDINGS | $3K | — | $3K | 10.00% |
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 | 1,276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 2,686 | $14.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 3,219 | $1.9M |
| Vision | VISION SERVICE PLAN | 1,269 | $262K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,335 | $602K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,334 | $104K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,335 | $233K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 246 | $1.4M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,342 | $659K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,219 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.