| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 1.09% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1125 17TH STREET, SUITE 400 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$4K | $0 | -$4K | -1.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $759 | $0 | $759 | 1.76% |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 52 | $402K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 699 | $43K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 492 | $312K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 492 | $312K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 492 | $312K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 52 | $402K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 492 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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.