| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD STE 201 WALNUT CREEK, CA 94596 | AETNA LIFE INSURANCE CO. | $18K | — | $18K | 3.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 1.78% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD STE 201 WALNUT CREEK, CA 945965127 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 3.69% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $6 | $6K | 1.76% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD STE 201 WALNUT CREEK, CA 94596 | AETNA HEALTH, INC. | $8K | — | $8K | 2.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA HEALTH, INC. | $5K | — | $5K | 1.73% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD, #201 WALNUT CREEK, CA 94596 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | $4K | — | $4K | 5.29% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 1350 TREAT BLVD #470 WALNUT CREEK, CA 94597 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | $0 | $1K | $1K | 1.75% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD SUITE 201 WALNUT CREEK, CA 94596 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $360 | $2K | 9.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $376 | — | $376 | 1.69% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD SUITE 201 WALNUT CREEK, CA 94596 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $146 | $1K | 9.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $182 | — | $182 | 1.28% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD SUITE 201 WALNUT CREEK, CA 94596 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $149 | $22 | $171 | 9.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33 | — | $33 | 1.81% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD SUITE 201 WALNUT CREEK, CA 94596 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $126 | $15 | $141 | 9.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20 | — | $20 | 1.37% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 197 | $1.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 197 | $656K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 197 | $656K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 197 | $671K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 23 | $1K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $22K |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 197 | $595K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.