| 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. | $459K | $84 | $459K | 4.99% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | UNITED HEALTHCARE INSURANCE COMPANY | $161K | $19K | $180K | 5.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC. | $76K | $12 | $76K | 4.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $145K | $25K | $171K | 11.73% |
| CPT INSURANCE SERVICES INC3 Filed as: CPT INSURANCE SERVICES, INC. | 20 ENTERPRISE, SUITE 330 ALISO VIEJO, CA 926567117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $77K | $1K | $78K | 35.63% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $17K | — | $17K | 10.00% |
| 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 | $655 | $39K | 35.66% |
| CPT INSURANCE SERVICES INC3 Filed as: CPT INSURANCE SERVICES, INC. | 20 ENTERPRISE, SUITE 330 ALISO VIEJO, CA 926567117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $366 | $11K | 20.69% |
| CPT INSURANCE SERVICES INC3 Filed as: CPT INSURANCE SERVICES, INC. | 20 ENTERPRISE, SUITE 330 ALISO VIEJO, CA 926567117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $193 | $7K | 20.49% |
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 | 2,147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,746 | $14.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,527 | $1.5M |
| Vision | VISION SERVICE PLAN | 1,223 | $166K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 579 | $220K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $111K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,746 | $14.0M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 579 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,746 | — |
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.