| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTENTE ADMINISTRATORS, LLC | 1210 ROBBIE LANE GALLATIN, TN 37066 | KAISER FOUNDATION HEALTH PLAN | $50K | $0 | $50K | 3.33% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN | $24K | $0 | $24K | 1.60% |
| ARCHON LLC3 Filed as: ARCHON, LLC | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| ENTENTE ADMINISTRATORS, LLC | 1210 ROBBIE LANE GALLATIN, TN 37066 | GUARDIAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.18% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE SUITE 1950 ATALANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $720 | $3K | 6.69% |
| ENTENTE ADMINISTRATORS, LLC3 | 1210 ROBBIE LANE GALLATIN, TN 37066 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 14.75% |
| ARCHON LLC3 Filed as: ARCHON, LLC | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $116 | $0 | $116 | 0.25% |
| ARCHON LLC3 Filed as: ARCHON, LLC | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| ENTENTE ADMINISTRATORS, LLC3 | 1210 ROBBIE LANE GALLATIN, TN 37066 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.54% |
| ARCHON LLC3 Filed as: ARCHON, LLC | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $857 | $857 | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $79 | $0 | $79 | 0.46% |
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 | 267 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN | 174 | $1.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 216 | $49K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 216 | $49K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 267 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 267 | $30K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN | 174 | $1.5M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 267 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.