| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTENTE ADMINISTRATORS, LLC3 | 1210 ROBBIE LANE GALLATIN, TN 370665218 | KAISER FOUNDATION HEALTH PLAN | $50K | $0 | $50K | 3.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN | $21K | $0 | $21K | 1.37% |
| ENTENTE ADMINISTRATORS, LLC3 | 1210 ROBBIE LANE GALLATIN, TN 37066 | GUARDIAN | $6K | $0 | $6K | 12.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | — | GUARDIAN | $2K | $720 | $3K | 6.83% |
| ARCHON LLC3 Filed as: ARCHON, LLC | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | THE LINCILN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 8.23% |
| ENTENTE ADMINISTRATORS, LLC3 | 1210 ROBBIE LANE GALLATIN, TN 37066 | THE LINCILN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 300 GALLERIA PKWY STE 1100 ATLANTA, GA 30339 | THE LINCILN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.00% |
| ARCHON LLC3 Filed as: ARCHON, LLC | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 8.21% |
| ENTENTE ADMINISTRATORS, LLC3 | 1210 ROBBIE LANE GALLATIN, TN 37066 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 300 GALLERIA PKWY, STE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $846 | $0 | $846 | 3.00% |
| ENTENTE ADMINISTRATORS, LLC3 | 1210 ROBBIE LANE GALLATIN, TN 37066 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| ARCHON LLC3 Filed as: ARCHON, LLC | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 10.76% |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN | 167 | $1.6M |
| Dental | GUARDIAN | 194 | $46K |
| Vision | GUARDIAN | 194 | $46K |
| Life insurance | THE LINCILN NATIONAL LIFE INSURANCE COMPANY | 249 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $28K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN | 167 | $1.6M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.