| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $16K | 14.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 6.68% |
| FRIEDMANN & FRIEDMANN INSURANCE3 | 3990 WESTERLY PLACE, SUITE 100 NEWPORT BEACH, CA 92660 | DELTA DENTAL OF CALIFORNIA | $1K | — | $1K | 1.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 12.56% |
| FORTMAN INSURANCE AGENCY LLC3 Filed as: FORTMAN INSURANCE AGENCY, INC. | PO BOX 364 OTTOWA, OH 45876 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $771 | $7K | 9.70% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $286 | $17K | 24.62% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $1K | — | $1K | 4.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 20 ENTERPRISE, SUITE 330 ALISO VIEJO, CA 92656 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $843 | — | $843 | 2.98% |
| FRIEDMANN & FRIEDMANN INSURANCE3 | 3990 WESTERLY PLACE, SUITE 100 NEWPORT BEACH, CA 92660 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $824 | — | $824 | 2.91% |
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 | 489 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 528 | $84K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 658 | $28K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 492 | $249K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 356 | $70K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 492 | $71K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 492 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.