| 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 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $52K | — | $52K | 4.84% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS & FINANCIAL SVCS | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 0.96% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $184 | $5K | 8.80% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INUSRANCE & FIN SVCS | PO BOX 28906 FRESNO, CA 93729 | UNITED CONCORDIA INSURANCE COMPANY | $850 | — | $850 | 1.52% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED CONCORDIA DENTAL PLAN OF CALIFORNIA | $2K | $92 | $2K | 8.64% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FIN SVCS | PO BOX 28906 FRESNO, CA 93729 | UNITED CONCORDIA DENTAL PLAN OF CALIFORNIA | $475 | — | $475 | 1.65% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 6.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS, INC. | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $861 | $861 | 4.54% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FIN. SVCS | PO BOX 28906 FRESNO, CA 93729 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $467 | — | $467 | 2.46% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $277 | $2K | 11.85% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FIN SVCS | PO BOX 28906 FRESNO, CA 93729 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $348 | — | $348 | 2.09% |
| GLOBAL HEALTH INSURANCE MARKETING3 | 25136 HANCOCK AVENUE, #D MURRIETA, CA 92562 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 2.37% |
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 | 380 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 195 | $1.1M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 184 | $85K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 205 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 382 | $17K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 14 | $6K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 195 | $1.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 382 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.