| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC. | $460K | — | $460K | 4.99% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | UNITED HEALTHCARE INSURANCE COMPANY | $151K | — | $151K | 5.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $141K | $21K | $162K | 11.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC. | $66K | — | $66K | 5.04% |
| CPT INSURANCE SERVICES INC3 Filed as: CPT INSURANCE SERVICES, INC. | 20 ENTERPRISE, SUITE 330 ALISO VIEJO, CA 926567117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $86K | — | $86K | 35.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 4.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $4K | — | $4K | 2.03% |
| CPT INSURANCE SERVICES INC3 Filed as: CPT INSURANCE SERVICES, INC. | 20 ENTERPRISE, SUITE 330 ALISO VIEJO, CA 926567117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39K | — | $39K | 35.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 4.21% |
| CPT INSURANCE SERVICES INC3 Filed as: CPT INSURANCE SERVICES, INC. | 20 ENTERPRISE, SUITE 330 ALISO VIEJO, CA 926567117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 25.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.71% |
| CPT INSURANCE SERVICES INC3 Filed as: CPT INSURANCE SERVICES, INC. | 20 ENTERPRISE, SUITE 330 ALISO VIEJO, CA 926567117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 25.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.30% |
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 | 2,134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,691 | $13.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,552 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,228 | $195K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 593 | $246K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $111K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,691 | $13.5M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 593 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,691 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.