| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTENTE ADMINISTRATORS, LLC3 Filed as: ENTENTE ADMINISTRATORS LLC | 1210 ROBBIE LANE GALLATIN, TN 37066 | CALIFORNIA PHYSICIANS SERVICE | $42K | $0 | $42K | 5.87% |
| ENTENTE ADMINISTRATORS, LLC | 1210 ROBBIE LANE GALLATIN, TN 37066 | KAISER FOUNDATINOHEALTH PLAN, INC | $3K | $0 | $3K | 3.40% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATINOHEALTH PLAN, INC | $1K | $0 | $1K | 1.75% |
| ENTENTE ADMINISTRATORS, LLC3 Filed as: ENTENTE INSURANCE ADMINISTRATORS | 1210 ROBBIE LANE GALLATIN, TN 37066 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $4K | $0 | $4K | 4.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $643 | $0 | $643 | 0.79% |
| ENTENTE ADMINISTRATORS, LLC3 Filed as: ENTENTE INSURANCE ADMINISTRATORS | 1210 ROBBIE LANE GALLATIN, TN 37066 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 9.67% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $1K | $904 | $2K | 8.70% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | $0 | $112 | $112 | 0.42% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 89 | $793K |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 123 | $81K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 123 | $81K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 125 | $27K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 125 | $27K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 89 | $793K |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 125 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.