| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSUREYOURPEOPLE, LLC3 Filed as: INSUREYOURPEOPLE LLC | 40 EAST RIO SALADO PARKWAY SUITE 900 TEMPE, AZ 85281 | KAISER FOUNDATION HEALTH PLAN INC | $31K | $0 | $31K | 4.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $8 | $13K | 1.82% |
| YOURPEOPLE, INC.3 | DEPT LA 24402 PASADENA, CA 91185 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 0.92% |
| ENROLLEASE3 Filed as: ONEDIGITAL | UNKNOWN SAN JOSE, CA 95122 | DELTA DENTAL OF CALIFORNIA | $8K | $0 | $8K | 10.00% |
| INSUREYOURPEOPLE, LLC3 | 40 EAST RIO SALADO PARKWAY SUITE 900 TEMPE, AZ 85281 | VSP | $798 | $0 | $798 | 5.89% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | VSP | $471 | $0 | $471 | 3.48% |
| YOURPEOPLE, INC.3 | 3440 FLAIR DRIVE EL MONTE, CA 91731 | VSP | $86 | $0 | $86 | 0.63% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 153 | $722K |
| Dental | DELTA DENTAL OF CALIFORNIA | 141 | $77K |
| Vision | VSP | 118 | $14K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 153 | $722K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.