| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $31K | — | $31K | 4.85% |
| ENROLLEASE3 Filed as: ONE DIGITAL- CUPERTINO | 19200 STEVENS CREEK BLVD STE 210 CUPERTINO, CA 94024 | SUTTER HEALTH PLAN | $12K | — | $12K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $10K | $6K | $16K | 12.52% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $3K | — | $3K | 2.13% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS- SEE ATTACHED DOCUMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $905 | — | $905 | 7.62% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 68 | $881K |
| Dental | GUARDIAN | 106 | $129K |
| Vision | GUARDIAN | 106 | $129K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 106 | $141K |
| Short-term disability | AFLAC | 15 | $12K |
| Long-term disability | GUARDIAN | 106 | $129K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 68 | $881K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 106 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.