| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT INSURANCE | P.O. BOX 830 RIALTO, CA 92377 | AETNA HEALTH, INC | $58K | — | $58K | 4.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | AETNA HEALTH, INC | $5K | — | $5K | 0.38% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | $27K | — | $27K | 7.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.70% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | AETNA HEALTH, INC | $9K | — | $9K | 5.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | AETNA HEALTH, INC | $648 | — | $648 | 0.39% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT SERVICES INC | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $712 | — | $712 | 2.10% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE FLOOR 12 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $3K | — | $3K | 8.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $538 | — | $538 | 1.65% |
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 | 390 | 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) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA HEALTH, INC | 473 | $1.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 473 | $339K |
| Vision | VISION SERVICE PLAN | 211 | $33K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 473 | $373K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 473 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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."
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.