| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | $60K | — | $60K | 4.46% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | P.O. BOX 4147 TUSTIN, CA 92781 | BLUE CROSS OF CALIFORNIA | — | $709 | $709 | 0.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 10.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 130 THEORY STREET, SUITE 200 IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | $6 | — | $6 | 0.01% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 20 ENTERPRISE, SUITE 330 ALISO VIEJO, CA 92656 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYE MED) | $1K | — | $1K | 9.82% |
| 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) | $244 | — | $244 | 2.37% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF CALIFORNIA | $818 | — | $818 | 10.00% |
| 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 | 119 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 195 | $1.3M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 160 | $91K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYE MED) | 161 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 185 | $58K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 185 | $58K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 185 | $58K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 195 | $1.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 185 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.