| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC | $33K | — | $33K | 4.93% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $14K | $2K | $17K | 11.44% |
| LORI TAKEUCHI3 | 333 OLD MILL RD SPC 213 SANTA BARBARA, CA 93110 | AFLAC | $4K | $314 | $4K | 23.06% |
| STEPHEN HARDY3 | 410 MERIDA DR SANTA BARBARA, CA 93111 | AFLAC | $872 | $79 | $951 | 5.34% |
| TIRZO A LOPEZ3 | 14608 SPITFIRE TRL ROANOKE, TX 76262 | AFLAC | $665 | $73 | $738 | 4.14% |
| GUADALUPE SANTOYO3 | 23 ARROYO VISTA DR GOLETA, CA 93117 | AFLAC | $367 | $12 | $379 | 2.13% |
| PHILLIP RAY MIRANDA3 | 543 WINCHESTER DR OXNARD, CA 93036 | AFLAC | $248 | — | $248 | 1.39% |
| ROYAL M DEARVIL3 | 826 N 2ND ST LINCOLN, KS 67455 | AFLAC | $77 | — | $77 | 0.43% |
| KAREN A WILSON3 | 919 SAINT ANN DR PASO ROBLES, CA 93446 | AFLAC | $42 | — | $42 | 0.24% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DR SEBRING, FL 33875 | AFLAC | $34 | — | $34 | 0.19% |
| SHEILA M KEARNS3 | 2254 PLOVER CT ARROYO GRANDE, CA 93420 | AFLAC | $34 | — | $34 | 0.19% |
| WILLINGHAM INC3 | 35354 MISSION BELLEBIEW RD LOUISBURG, KS 66053 | AFLAC | $22 | — | $22 | 0.12% |
| KAREN LEE LINDSEY3 | 4465 NOTTINGHAM DR SANTA MARIA, CA 93455 | AFLAC | $19 | — | $19 | 0.11% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 11329 P ST STE 120 OMAHA, NE 68137 | AFLAC | $13 | — | $13 | 0.07% |
| D BREDESON INSURANCE SERVICES INC3 | 19043 META RD CORNELIUS, NC 28031 | AFLAC | $6 | — | $6 | 0.03% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 3013 LARGE HOP LN ANTIOCH, TN 37013 | AFLAC | $2 | — | $2 | 0.01% |
| CHARLES D. BLOCK3 Filed as: CHARLES B CAREY | 16215 LYLE ST SAN LEANDRO, CA 94578 | AFLAC | $2 | — | $2 | 0.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $612 | $3K | 20.82% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 7.49% |
| ENROLLEASE3 Filed as: ONEDIGITAL HEALTH AND BENEFITS | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $318 | $2K | 20.97% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $573 | $573 | 7.56% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 49 | $672K |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 305 | $145K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $15K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $8K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $8K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 49 | $672K |
| Other(2 contracts, 2 carriers) | AFLAC | 232 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.