| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | $126K | — | $126K | 2.42% |
| KAREN G. HAIGH3 | 6011 COUNTRY VIEW DRIVE YORBA LINDA, CA 92886 | BLUE CROSS OF CALIFORNIA | $87K | — | $87K | 1.68% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 1.60% |
| KAREN G. HAIGH3 | 6011 COUNTRY VIEW DRIVE YORBA LINDA, CA 92886 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 0.67% |
| PAUL M. SIMON3 | 8 ESTATES DRIVE VILLA PARK, CA 92861 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.58% |
| KAREN G. HAIGH3 Filed as: KAREN HAIGH | 6011 COUNTRY VIEW DRIVE YORBA LINDA, CA 92886 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $205 | $4K | 9.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $325 | $3K | 5.78% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $675 | — | $675 | 2.42% |
| KAREN G. HAIGH3 | 6011 COUNTRY VIEW DRIVE YORBA LINDA, CA 92886 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $468 | — | $468 | 1.68% |
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 | 343 | 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) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 496 | $5.2M |
| Dental | BLUE CROSS OF CALIFORNIA | 496 | $5.2M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 454 | $28K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $582K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $534K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $534K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 496 | $5.2M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $582K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.