| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CALIFORNIA PHYSICIANS SERVICE | $12K | $68K | $80K | 7.66% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 25.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN, INC. | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $142 | $142 | 1.24% |
| CHRISTA G AUFDEMBERG INC4 | 13102 BRITTANY WOODS RD TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $250 | — | $250 | 24.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $64 | — | $64 | 6.34% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | $8K | $4K | $12K | — |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 0 | $1.0M |
| Dental(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 0 | $1.0M |
| Vision(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 0 | $1.0M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7 | $46K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7 | $46K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7 | $46K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 0 | $1.0M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 19 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.