| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CALIFORNIA PHYSICIANS SERVICE | — | $164K | $164K | 4.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMINISTRATORS INC | 701 S PARKER ST., 8TH FLOOR ORANGE, CA 92868 | CALIFORNIA PHYSICIANS SERVICE | $75K | $119 | $75K | 2.07% |
| REID GROUP ENTERPRISES, INC.3 Filed as: REID, SIMA BERNER | 10805 HOLDER STREET SUITE 245 CYPRESS, CA 90630 | CALIFORNIA PHYSICIANS SERVICE | — | $23K | $23K | 0.62% |
| GRISWOLD & GRISWOLD INSURANCE3 | 2785 PACIFIC COAST HWY, STE 308 TORRANCE, CA 90505 | CALIFORNIA PHYSICIANS SERVICE | — | $17K | $17K | 0.47% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 4.09% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $1K | $3K | $4K | 1.35% |
| GRISWOLD & GRISWOLD INSURANCE3 | 2785 PACIFIC COAST HWY, STE 308 TORRANCE, CA 90505 | DELTA DENTAL OF CALIFORNIA | $13K | — | $13K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF CALIFORNIA | $10K | — | $10K | 4.17% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 0.83% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.08% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $456 | $1K | $1K | 1.36% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.22% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $400 | $397 | $797 | 0.94% |
| SIMA REID3 | 18004 SKY PARK CIR STE 210 IRVINE, CA 92614 | STANDARD INSURANCE COMPANY | $400 | — | $400 | 0.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 300 GALLERIA PKWY SE STE 1100 ATLANTA, GA 30339 | VISION SERVICE PLAN | $2K | — | $2K | 4.89% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $100 | — | $100 | 0.25% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $895 | — | $895 | 4.08% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $92 | $207 | $299 | 1.36% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 429 | $3.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 426 | $250K |
| Vision | VISION SERVICE PLAN | 157 | $40K |
| Life insurance | STANDARD INSURANCE COMPANY | 172 | $110K |
| Short-term disability | STANDARD INSURANCE COMPANY | 171 | $85K |
| Long-term disability | STANDARD INSURANCE COMPANY | 172 | $332K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 429 | $3.6M |
| Other | STANDARD INSURANCE COMPANY | 172 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.