| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 3.78% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-CALIFORNIA | 5110 N 40TH ST STE 234 PHOENIX, AZ 850182151 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $568 | $14K | 2.08% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD STE 201 WALNUT CREEK, CA 945965127 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.29% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST # 234 PHOENIX, AK 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $72 | $72 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $2 | $9K | 3.70% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD STE 201 WALNUT CREEK, CA 945965127 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 1.32% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.84% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD., STE. 201 WALNUT CREEK, CA 94596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.16% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $890K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $91K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $657K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $657K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $657K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
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.