| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | — | $41K | $41K | 6.38% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 4.34% |
| COMPREHENSIVE FINANCIAL & INSURANCE3 Filed as: COMPREHENSIVE FINANCIAL & INS SVCS | 151 N. KRAEMER BOULEVARD, SUITE 206 PLACENTIA, CA 92870 | AMERICAN FIDELITY ASSURANCE COMPANY | $152 | — | $152 | 0.10% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 12.24% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.86% |
| ENROLLEASE3 Filed as: ONE DIGITAL - ATLANTA, GA | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $1K | — | $1K | 19.48% |
| ENROLLEASE3 Filed as: ONE DIGITAL - WALNUT CREEK, CA | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $136 | — | $136 | 2.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | CALIFORNIA DENTAL NETWORK, INC. | $522 | — | $522 | 9.99% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | 116 | $789K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 154 | $48K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 86 | $5K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 154 | $43K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 62 | $152K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 62 | $152K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | 116 | $636K |
| Other | AMERICAN FIDELITY ASSURANCE COMPANY | 62 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.