| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS-WASHINGTON | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $190K | — | $190K | 6.04% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS WESTLAKE | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.20% |
| KINGBENEFITS INSURANCE SOLUTIONS IN3 | 5120 AVENIDA ENCINAS, SUITE 100 CARLSBAD, CA 92008 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2K | — | -$2K | -0.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $70K | $3 | $70K | 5.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PKWY, SUITE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 15.24% |
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 | 884 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 860 | $4.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 860 | $3.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 860 | $3.1M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,753 | $240K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,753 | $240K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,753 | $240K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 860 | $4.4M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 1,753 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,753 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.