| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC, GEORGIA'S | DIGITAL INSURANCE 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HEALTH NET | $54K | — | $54K | 4.75% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD #201 WALNUT CREEK, CA 94596 | HEALTH NET | $253 | — | $253 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $3 | $20K | 4.93% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD STE 201 WALNUT CREEK, CA 945965127 | KAISER FOUNDATION HEALTH PLAN INC | $995 | — | $995 | 0.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNITED CONCORDIA INSURANCE COMPANY | $17K | $3K | $20K | 12.00% |
| LINCOLN FINANCIAL GROUP3 Filed as: LINCOLN FINANCIAL & INSURANCE | SERVICES CORPORATION 1660 OLYMPIC BLVD STE 201 WALNUT CREEK, CA 94596 | UNITED CONCORDIA INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | $1K | — | $1K | 6.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY #300 ATLANTA, CA 30339 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | $166 | $456 | $622 | 3.14% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD, #201 WALNUT CREEK, CA 94596 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | $338 | — | $338 | 1.70% |
| SALAVADOR HEREDIA3 | 700 EI CAMINITO LIVERMORE, CA 94550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $437 | $3K | 14.94% |
| DIGITAL INSURANCE LLC3 | 1660 OLYMPIC BLVD STE 201 WALNUT CREEK, CA 94596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $126 | $2K | 9.88% |
| JIREH KNOTT3 | 555 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.31% |
| TYLER JAMES JOHNSON3 | 109 ROBLE RD #203 WALNUT CREEK, CA 94597 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $521 | $590 | $1K | 6.19% |
| RYAN BEHM3 | 10909 POTTER ST OMAHA, NE 68142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.58% |
| SIMAMAO VEE DELEON3 | 1706 163RD AVE SAN LEANDRO, CA 94578 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.62% |
| MARY KOCH3 | 1012 EMMA ROSE BLVD BRENTWOOD, CA 94513 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.45% |
| ERRON RICHARD JACOBS3 | 1401 WILLOW PASS RD #800 CONCORD, CA 94520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.32% |
| ROSALIA MERCADO MALLARI3 | 5311 GUERRERO COURT DUBLIN, CA 94568 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $574 | — | $574 | 10.00% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 111 | $1.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 155 | $167K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | 313 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $54K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $33K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 156 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.