| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | $27K | — | $27K | 1.79% |
| I2I BENEFITS AND INSURANCE SERVICES3 | 160 BIRCH STREET, SUITE B REDWOOD CITY, CA 94062 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | $18K | — | $18K | 1.21% |
| I2I BENEFITS AND INSURANCE SERVICES3 | 160 BIRCH STREET, SUITE B REDWOOD CITY, CA 94062 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 2.13% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 1.66% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FIN. SERVICES | 3 WATERS PARK DRIVE, SUITE 100 SAN METEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC. | — | $1K | $1K | 0.23% |
| I2I BENEFITS AND INSURANCE SERVICES3 | 160 BIRCH STREET, SUITE B REDWOOD CITY, CA 94062 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $765 | $6K | 3.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 2.86% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 8.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | -$2K | $940 | 4.75% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FIN. SERVICES | 3 WATERS PARK DRIVE, SUITE 100 SAN METEO, CA 94403 | ACE AMERICAN INSURANCE COMPANY | $400 | — | $400 | 20.00% |
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 | 132 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 100 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $179K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $179K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $116K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $116K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 100 | $2.1M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.