| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 Filed as: LUMITY INSURANCE SERVICES INC | 28 EAST 3RD AVE SAN MATEO, CA 94401 | AETNA LIFE INSURANCE CO. | $271K | — | $271K | 3.31% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $96K | — | $96K | 1.17% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN INC | $34K | — | $34K | 3.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $16K | $44 | $16K | 1.37% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVE SAN MATEO, CA 94401 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $8K | $79K | 9.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $12K | 1.44% |
| LUMITY, INC.3 Filed as: LUMITY INC | 28 EAST 3RD AVE SAN MATEO, CA 94401 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 7.70% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $19K | $19K | 3.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 3.04% |
| LUMITY, INC.3 Filed as: LUMITY INSURANCE SERVICES INC | 28 EAST 3RD AVE SAN MATEO, CA 94401 | AETNA HEALTH, INC. | $15K | — | $15K | 3.40% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AETNA HEALTH, INC. | $5K | — | $5K | 1.22% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVE SAN MATEO, CA 94401 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $224 | $6K | 18.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $22 | $32 | $54 | 0.16% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 4.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $689 | $2 | $691 | 2.04% |
| LUMITY, INC.3 Filed as: LUMITY INC. | 71 E 3RD AVE SAN MATEO, CA 94401 | METLIFE LEGAL PLANS | $1K | $148 | $2K | 7.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METLIFE LEGAL PLANS | $622 | $59 | $681 | 3.20% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVE SAN MATEO, CA 94401 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $122 | $3K | 18.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.17% |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 868 | $9.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 964 | $859K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 964 | $859K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 391 | $534K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 391 | $534K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 391 | $534K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 106 | $1.2M |
| Other(4 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 391 | $607K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.