| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $310 | $62 | $372 | 5.34% |
| STEVEN DRISS INSURANCE AGENCY3 Filed as: STEVEN DRISS INSURANCE AGENCY INC | 17609 VENTURA BLVD STE 316 ENCINO, CA 91316 | PRINCIPAL LIFE INSURANCE COMPANY | $333 | $0 | $333 | 4.78% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES, LLC | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $321 | $0 | $321 | 4.61% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC | 2 ENTERPRISE DRIVE STE 204 SHELTON, CA 06484 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $266 | $266 | 3.82% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.