| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC. | $101K | $2 | $101K | 3.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF | CALIFORNIA, INC.-S.F. PO BOX 101162 PASADENA, CA 911890005 | KAISER FOUNDATION HEALTH PLAN INC. | $32K | — | $32K | 0.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | C/O DIGITAL INSURANCE 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | RELIASTAR LIFE INSURANCE COMPANY | $12K | — | $12K | 11.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICE OF | CALIFORNIA,INC. 1000 W TEMPLE ST FILE #50788 GROUND FLOOR LOS ANGELES, CA 900121514 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 4.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $1K | — | $1K | 3.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF | CALIFORNIA, INC. PO BOX 101162 PASADENA, CA 911891162 | VISION SERVICE PLAN | $288 | — | $288 | 0.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 525 MARKET STREET SUITE 3400 SAN FRANCISCO, CA 94105 | HARTFORD LIFE AND ACCIDENT | $745 | — | $745 | 15.01% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 396 | $3.3M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 490 | $286K |
| Vision | VISION SERVICE PLAN | 248 | $42K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 277 | $112K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 277 | $112K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 277 | $112K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 277 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.