| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD STE 104-286 PHOENIX, AZ 85024 | KAISER FOUNDATION HEALTH PLAN INC | $36K | — | $36K | 2.86% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 2.07% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD STE 104-286 PHOENIX, AZ 85024 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 3.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 2.01% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD STE 104-286 PHOENIX, AZ 85024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 6.49% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 3.37% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 3.24% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $45K | — | $45K | 28.86% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 2.94% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD STE 104-286 PHOENIX, AZ 85024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 6.34% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $891 | $5K | 3.57% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 3.52% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD STE 104-286 PHOENIX, AZ 85024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.46% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $537 | $3K | 3.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $4K | $466 | $5K | 8.54% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD STE 104-286 PHOENIX, AZ 85024 | UNUM INSURANCE COMPANY | $4K | — | $4K | 7.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 BLUE BELL, PA 19422 | UNUM INSURANCE COMPANY | $813 | — | $813 | 1.43% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD STE 104-286 PHOENIX, AZ 85024 | UNUM INSURANCE COMPANY | $6K | — | $6K | 11.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $2K | $195 | $2K | 3.77% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 BLUE BELL, PA 19422 | UNUM INSURANCE COMPANY | $18 | — | $18 | 0.03% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD STE 104-286 PHOENIX, AZ 85024 | UNUM INSURANCE COMPANY | $3K | — | $3K | 13.52% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W VEVA 16 BLUE BELL, PA 19422 | UNUM INSURANCE COMPANY | $527 | — | $527 | 2.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $468 | $55 | $523 | 2.22% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD STE 104-286 PHOENIX, AZ 85024 | METLIFE LEGAL PLANS | $5K | — | $5K | 31.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METLIFE LEGAL PLANS | $183 | — | $183 | 1.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN GENERAL INSURANCE COMPANY | $695 | $54 | $749 | 14.27% |
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 | 894 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 226 | $1.8M |
| Dental | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 160 | $155K |
| Vision | METLIFE GOVERNMENT CONTRACTORS FRINGE BENEFIT TRUST | 719 | $7K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 748 | $468K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 182 | $305K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $150K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 226 | $1.8M |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 748 | $621K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.