| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: DIGITAL INSUANCE LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CALIFORNIA PHYSICIANS SERVICE | — | $289K | $289K | 5.72% |
| MJ INSURANCE3 Filed as: DIGITAL INSUANCE LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $84K | $48K | $132K | 16.14% |
| MJ INSURANCE3 Filed as: DIGITAL INSUANCE LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $31K | — | $31K | 4.99% |
| MJ INSURANCE3 Filed as: DIGITAL INSUANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, CA 30339 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $13K | — | $13K | 5.05% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $688 | — | $688 | 0.27% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | FOUR EVER LIFE INS CO. | $456 | — | $456 | 15.01% |
| ANTHEM INSURANCE COMPANIES, INC.3 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS CO. | — | $30 | $30 | 0.99% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 507 | $5.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $815K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $815K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $815K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $815K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $815K |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 507 | $5.9M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $818K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.