| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | KASIER FOUNDATION HEALTH PLAN INC | $55K | $13 | $55K | 4.59% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD STE 201 WALNUT CREEK, CA 945965127 | KASIER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 0.34% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $9K | $17K | 10.41% |
| ROGERS BENEFIT GROUP INC3 | 7310 N 16TH ST STE 226 PHOENIX, AZ 850208212 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.16% |
| DIGITAL INSURANCE LLC3 | 1660 OLYMPIC BLVD STE 201 WALNUT CREEK, CA 94596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $40 | $2K | 8.38% |
| SALVADOR HEREDIA3 | 700 EL CAMINITO LIVERMORE, CA 94550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $771 | $79 | $850 | 4.30% |
| RYAN BEHM3 | 10909 POTTER ST OMAHA, NE 68142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $396 | — | $396 | 2.00% |
| TYLER JAMES JOHNSON3 | 109 ROBLE RD #203 WALNUT CREEK, CA 94597 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 1.14% |
| MARY KOCH3 | 117 WOLF RIVER CT ROSEVILLE, CA 95661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.70% |
| JIREH KNOTT3 | 555 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.61% |
| CASEY JAMES KUGLER3 | 336 PACIFICA DRIVE BRENTWOOD, CA 94513 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $71 | $92 | 0.46% |
| BRIAN ROBERT LLOYD3 Filed as: BRIAN ROBERT LIOYD | PO BOX 11 KNIGHTSEN, CA 94548 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $53 | $74 | 0.37% |
| ERRON RICHARD JACOBS3 | 1401 WILLOW PASS RD #800 CONCORD, CA 94520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.08% |
| ROSALIA MERCADO MALLARI3 | 5311 GUERRERO COURT DUBLIN, CA 94568 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.08% |
| CATHERINE LISA LUKE3 | 4787 W HACIENDA AVE CAMPBELL, CA 95008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.03% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KASIER FOUNDATION HEALTH PLAN INC | 264 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $167K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $167K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $186K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $167K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 30 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.