| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | $469K | $19K | $488K | 6.88% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS & INSURANCE SVCS | 16255 VENTURA BOULEVARD, SUITE 445 ENCINO, CA 91436 | BLUE CROSS OF CALIFORNIA | -$84 | — | -$84 | -0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $41K | $2K | $42K | 6.88% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS & INSURANCE SVCS | 16255 VENTURA BOULEVARD, SUITE 445 ENCINO, CA 91436 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | -$7 | — | -$7 | -0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST STE 900 KANSAS CITY, MO 94112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291K | — | $291K | 51.97% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 8.76% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $22K | $10K | $31K | — |
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 | 864 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 1,001 | $7.1M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,081 | $614K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,081 | $614K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,031 | $58K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,031 | $58K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,031 | $58K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 1,001 | $7.1M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,682 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,031 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.