| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES LLC | 2000 CROW CANYON PLACE, SUITE 220 SAN RAMON, CA 94583 | BLUE CROSS OF CALIFORNIA | $33K | — | $33K | 2.63% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | $18K | — | $18K | 1.45% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES LLC | 130 THEORY STREET, SUITE 200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | -$43 | — | -$43 | -0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF CALIFORNIA | $7K | — | $7K | 10.00% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES INC. | 130 THEORY STREET, SUITE 200 IRVINE, CA 926123065 | HARTFORD LIFE AND ACCIDENT | $3K | $1K | $4K | 8.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 4.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF CALIFORNIA | $876 | — | $876 | 10.00% |
| PRECEPT INSURANCE SOLUTIONS3 Filed as: THE PRECEPT GROUP | 2000 CROW CANYON PLACE, SUITE 220 SAN RAMON, CA 94583 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYE MED) | $857 | — | $857 | 10.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 20 ENTERPRISE, SUITE 330 ALISO VIEJO, CA 92656 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYE MED) | $209 | — | $209 | 2.44% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 20 ENTERPRISE, SUITE 330 ALISO VIEJO, CA 92656 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYE MED) | $140 | — | $140 | 1.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HOLMAN FAMILY COUNSELING, INC. | $69 | — | $69 | 4.99% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 192 | $1.2M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 155 | $84K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYE MED) | 132 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 174 | $50K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 174 | $50K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 174 | $50K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 192 | $1.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 174 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.