| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | $191K | $2K | $194K | 4.24% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $91K | $34K | $126K | 16.17% |
| INSUREYOURPEOPLE, LLC3 Filed as: INSUREYOURPEOPLE LLC | 303 2ND STREET NORTH TOWER SUITE 450 SAN FRANCISCO, CA 94107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $30K | — | $30K | 4.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $656 | $704 | $1K | 5.72% |
| ENROLLEASE3 Filed as: ONE DIGITAL HEALTH AND BENEFITS | 1450 MARIA LANE SUITE 400 WALNUT CREEK, CA 94596 | CLAREMONT | $234 | — | $234 | 5.27% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 598 | $5.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $777K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $777K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $777K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $777K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $777K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 118 | $650K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $781K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.