| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | — | $30K | $30K | 2.04% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | $28K | — | $28K | 1.91% |
| ROBERT C PLACAK & ASSOCIATES3 Filed as: ROBERT C PLACAK & ASSOCIATES, INC. | 790 MISSION AVE SAN RAFAEL, CA 94901 | BLUE CROSS OF CALIFORNIA | $22K | — | $22K | 1.45% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $35K | — | $35K | 3.57% |
| ROBERT C PLACAK & ASSOCIATES3 Filed as: ROBERT C PLACAK & ASSOCIATES INC | 382 GREENWOOD BEACH RD TIBURON, CA 94920 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 1.65% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 1.45% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 300 GALLERIA PARKWAY SUITE 1100 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $68K | — | $68K | 7.19% |
| ROBERT C PLACAK & ASSOCIATES3 Filed as: ROBERT C PLACAK & ASSOCIATES INC | 790 MISSION AVE SAN RAFAEL, CA 94901 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $10K | — | $10K | 1.09% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNITED CONCORDIA INSURANCE COMPANY | $146K | $1K | $148K | 18.40% |
| ROBERT C PLACAK & ASSOCIATES3 Filed as: ROBERT C PLACAK & ASSOCIATES INC | 790 MISSION AVE SAN RAFAEL, CA 94901 | UNITED CONCORDIA INSURANCE COMPANY | $17K | — | $17K | 2.14% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 0.32% |
| ROBERT C PLACAK & ASSOCIATES3 Filed as: ROBERT C PLACAK & ASSOCIATES INC | 790 MISSION AVE SAN RAFAEL, CA 94901 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $14K | — | $14K | 4.46% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $6K | $726 | $6K | 2.08% |
| BENEFITMALL3 Filed as: MATHER & STROHL BDA BENEFITMALL | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $4K | — | $4K | 1.21% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $28K | $6K | $34K | 24.19% |
| ROBERT C PLACAK & ASSOCIATES3 Filed as: ROBERT C PLACAK & ASSOCIATES INC | 790 MISSION AVE SAN RAFAEL, CA 94901 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 5.41% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.08% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | $1K | $8K | 10.35% |
| ROBERT C PLACAK & ASSOCIATES3 Filed as: ROBERT C PLACAK & ASSOCIATES INC | 790 MISSION AVE SAN RAFAEL, CA 94901 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.62% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | STANDARD INSURANCE COMPANY | $383 | — | $383 | 0.49% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 300 GALLERIA PARKWAY SUITE 1100 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $4K | — | $4K | 6.76% |
| ROBERT C PLACAK & ASSOCIATES3 Filed as: ROBERT C PLACAK & ASSOCIATES INC | 790 MISSION AVE SAN RAFAEL, CA 94901 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $464 | — | $464 | 0.76% |
| ROBERT C PLACAK & ASSOCIATES3 Filed as: ROBERT C PLACAK & ASSOCIATES INC | 790 MISSION AVE SAN RAFAEL, CA 94901 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 18.18% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 8.43% |
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 | 2,404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 273 | $3.8M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,228 | $802K |
| Vision | STANDARD INSURANCE COMPANY | 783 | $79K |
| Life insurance | STANDARD INSURANCE COMPANY | 0 | $141K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 483 | $29K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 273 | $2.3M |
| Other | STANDARD INSURANCE COMPANY | 0 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,228 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.