| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $140K | — | $140K | 4.58% |
| PATRIC JAMES HILLENBRAND3 | 2267 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 0.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN, INC. | $23K | — | $23K | 4.62% |
| HILLENBRAND INSURANCE SERVICES3 | 2267 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 0.38% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF COLORADO | $11K | — | $11K | 3.75% |
| PATRIC JAMES HILLENBRAND3 Filed as: PATRIC HILLENBRAND | 2267 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 | DELTA DENTAL OF COLORADO | $4K | — | $4K | 1.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWAY STE 1950 ATLANTA, GA 30339 | THE HARTFORD | $27K | — | $27K | 13.20% |
| HILLENBRAND INSURANCE SERVICES3 | 2267 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 | THE HARTFORD | $2K | — | $2K | 1.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $2K | — | $2K | 2.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 2267 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 | MAGELLAN HEALTH SERVICES | $1K | — | $1K | 14.67% |
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 | 382 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 595 | $3.6M |
| Dental | DELTA DENTAL OF COLORADO | 355 | $299K |
| Vision | VISION SERVICE PLAN | 345 | $72K |
| Life insurance | THE HARTFORD | 382 | $203K |
| Short-term disability | THE HARTFORD | 382 | $203K |
| Long-term disability | THE HARTFORD | 382 | $203K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 595 | $3.6M |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 385 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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."
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.