| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PKWY. SE, SUITE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $57K | $6K | $63K | 4.84% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 175 S. SAN ANTONIO ROAD, SUITE 101 LOS ALTOS, CA 94022 | KAISER FOUNDATION HEALTH PLAN INC. | $42K | — | $42K | 3.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 175 S. SAN ANTONIO ROAD, SUITE 101 LOS ALTOS, CA 94022 | KAISER FOUNDATION HEALTH PLAN INC. | $35K | — | $35K | 4.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY. SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $40K | $33K | $72K | 11.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY., SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $2K | — | $2K | 3.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY., SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 38.20% |
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 | 620 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 241 | $3.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 620 | $624K |
| Vision | VISION SERVICE PLAN | 461 | $44K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 620 | $624K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 620 | $654K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 620 | $624K |
| Prescription drug(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 241 | $3.2M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 620 | $624K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.