| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSUREYOURPEOPLE, LLC3 | 40 EAST RIO SALADO PARKWAY SUITE 900 TEMPE, AZ 85281 | AETNA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.95% |
| YOURPEOPLE, INC.3 | 303 2ND STREET, SUITE 450 SAN FRANCISCO, CA 94107 | AETNA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.92% |
| UNKNOWN3 | UNKNOWN PORTLAND, OR 97214 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $2K | $0 | $2K | 4.20% |
| YOURPEOPLE, INC.3 | 250 BRANNAN STREET, 3RD FLOOR SAN FRANCISCO, CA 94107 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.26% |
| INSUREYOURPEOPLE, LLC3 | 40 EAST RIO SALADO PARKWAY SUITE 900 TEMPE, AZ 85281 | PRINCIPAL LIFE INSURANCE COMPANY | $809 | $0 | $809 | 2.42% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $276 | $0 | $276 | 0.83% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 90 | $361K |
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 174 | $54K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $33K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $33K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $33K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 90 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.