| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $38K | $2 | $38K | 3.24% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $0 | $17K | 1.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $133K | $0 | $133K | 15.11% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $67K | $7K | $74K | 8.42% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 2.48% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 1.37% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 2.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY, STTE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $1 | $6K | 2.03% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.43% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.05% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | $1K | $0 | $1K | 15.00% |
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 | 988 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 998 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,873 | $2.4M |
| Vision | VISION SERVICE PLAN | 902 | $111K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 963 | $454K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 963 | $454K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 963 | $454K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 211 | $1.5M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,873 | $878K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 988 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,873 | — |
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.