| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBA PREMIER INSURANCE SOLUTIONS3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 2.00% |
| CBA PREMIER INSURANCE SOLUTIONS3 | 2033 GATEWAY PL SAN JOSE, CA 95110 | AETNA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 1.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $0 | $15K | 2.50% |
| CORPORAT BENEFIT ADVISORS, INC.3 | 2033 GATEWAY PL STE 500 SAN JOSE, CA 95110 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 1.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA HEALTH, INC. | $10K | $0 | $10K | 2.06% |
| CBA PREMIER INSURANCE SOLUTIONS3 | 2033 GATEWAY PL SAN JOSE, CA 95110 | AETNA HEALTH, INC. | $9K | $0 | $9K | 1.84% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $6K | $17K | 3.79% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 0.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400 S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $8K | $8K | 4.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE LLC, | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 4.33% |
| CBA PREMIER INSURANCE SOLUTIONS3 Filed as: CBA PREMIER INSURANCE SOLUTIONS INC | 2033 GATEWAY PLACE STE 500 SAN JOSE, CA 95110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 3.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT SERVICES INC, | PO BOX 8299 PASADENA, CA 91109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $131 | $0 | $131 | 0.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.75% |
| CBA PREMIER INSURANCE SOLUTIONS3 | 2033 GATEWAY PL STE 500 SAN JOSE, CA 95110 | VISION SERVICE PLAN | $523 | $0 | $523 | 2.40% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 71 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 141 | $156K |
| Vision | VISION SERVICE PLAN | 138 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $446K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $446K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 63 | $613K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.