| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY. SE, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $82K | $26 | $82K | 4.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY. SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $33K | $9K | $42K | 12.45% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 19200 STEVENS CREEK BLVD., STE. 110 CUPERTINO, CA 95014 | SUTTER HEALTH PLAN | $6K | — | $6K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 301 E. PINE STREET, SUITE 650 ORLANDO, FL 32801 | TRANSAMERICA LIFE INSURANCE COMPANY | $28K | — | $28K | 50.02% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 1350 TREAT BLVD., SUITE 470 WALNUT CREEK, CA 94597 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY. SE, SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $2K | — | $2K | 4.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY. SE, SUITE 1950 ATLANTA, GA 30339 | CLAREMONT EAP | $407 | — | $407 | 4.76% |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 348 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 351 | $338K |
| Vision | VISION SERVICE PLAN | 325 | $44K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 351 | $338K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 142 | $56K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 348 | $1.8M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 351 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.