| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 909 ROSE AVE N BETHESDA, MD 20852 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $32K | $50K | 5.12% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 1.95% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY | 200 GALLERIA PKWY ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 3.73% |
| DIGITAL INSURANCE LLC3 | 909 ROSE AVE N BETHESDA, MD 20852 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $8K | $44K | 15.24% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 10.94% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 20.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $4K | $60 | $4K | 3.75% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY | 200 GALLERIA PKWY ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 3.61% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY ATLANTA, GA 30339 | METLIFE LEGAL PLANS | $2K | $550 | $3K | 7.32% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES, INC | 909 ROSE AVE N BETHESDA, MD 20852 | METLIFE LEGAL PLANS | $2K | — | $2K | 4.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 19200 STEVENS CREEK BLVD CUPERTINO, CA 95014 | METLIFE LEGAL PLANS | — | $3 | $3 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $86 | $20 | $106 | — |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVE N BETHESDA, MD 20852 | METROPOLITAN LIFE INSURANCE COMPANY | $54 | — | $54 | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S. CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | -$14 | — | -$14 | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | METROPOLITAN LIFE INSURANCE COMPANY | -$195 | $32 | -$163 | — |
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 | 1,116 | 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) | 1,116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 54 | $912K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 874 | $286K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 874 | $286K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,092 | $978K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,092 | $978K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,092 | $978K |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,116 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,116 | — |
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.