| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | UNKNOWN AROMAS, CA 95004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $62K | $0 | $62K | 13.09% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $12K | $45K | 16.58% |
| INSUREYOURPEOPLE, LLC3 | 50 BEALE STREET, 10TH FLOOR SAN FRANCISCO, CA 94105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 3.89% |
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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $470K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $274K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $274K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $274K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $274K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $274K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $470K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.