| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $30K | $1 | $30K | 2.73% |
| I2I BENEFITS AND INSURANCE SERVICES3 | 160 BIRCH STREET, SUITE B REDWOOD CITY, CA 94062 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | — | $25K | 2.26% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 2.73% |
| I2I BENEFITS AND INSURANCE SERVICES3 | 160 BIRCH STREET, SUITE B REDWOOD CITY, CA 94062 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 2.45% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF CALIFORNIA | $9K | — | $9K | 4.51% |
| I2I BENEFITS AND INSURANCE SERVICES3 | 160 BIRCH STREET, SUITE B REDWOOD CITY, CA 94062 | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | 3.84% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 1.65% |
| I2I BENEFITS AND INSURANCE SERVICES3 | 702 MARSHALL STREET, SUITE 417 REDWOOD CITY, CA 94063 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.56% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $809 | — | $809 | 1.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | -$1K | $762 | 5.11% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 329 | $1.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 196 | $203K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 329 | $729K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 180 | $62K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 180 | $62K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 180 | $62K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 329 | $1.8M |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 180 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
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.