| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 4.22% |
| GALLANT RISK & INSURANCE SERVICES3 | 4160 TEMESCAL CANYON RD., SUITE 402 CORONA, CA 92883 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 0.79% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | HEALTH NET | $4K | $2K | $7K | 2.29% |
| GALLANT RISK & INSURANCE SERVICES3 | 4160 TEMESCAL CANYON RD., SUITE 214 CORONA, CA 92883 | HEALTH NET | $3K | — | $3K | 1.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 4.12% |
| GALLANT RISK & INSURANCE SERVICES3 | 4160 TEMESCAL CANYON RD., SUITE 402 CORONA, CA 92883 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 0.88% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $16K | $5K | $21K | 17.23% |
| GALLANT RISK & INSURANCE SERVICES3 | P.O. BOX 55127 RIVERSIDE, CA 92517 | GUARDIAN | $5K | — | $5K | 4.20% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS | 325 N. KIRKWOOD ROAD KIRKWOOD, MA 63122 | GUARDIAN | $5K | — | $5K | 3.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $133 | — | $133 | 2.61% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 50 | $790K |
| Dental | GUARDIAN | 105 | $121K |
| Vision | GUARDIAN | 105 | $121K |
| Life insurance | GUARDIAN | 105 | $121K |
| Long-term disability | GUARDIAN | 105 | $121K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 50 | $493K |
| Other | GUARDIAN | 105 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.