| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC. | $105K | — | $105K | 6.95% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 303395946 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.92% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA | $9K | $1K | $10K | 22.38% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA | $5K | $583 | $5K | 22.38% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $1K | — | $1K | 5.48% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA | $4K | $471 | $4K | 22.53% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA | $3K | $360 | $3K | 22.41% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 303395946 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $889 | — | $889 | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $157 | $157 | 1.77% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA | $2K | $205 | $2K | 22.32% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA | $2K | $173 | $2K | 22.17% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA | $2K | $167 | $2K | 22.19% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA | $1K | $133 | $1K | 22.55% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 243 | $1.5M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $101K |
| Vision | VISION SERVICE PLAN | 154 | $22K |
| Life insurance(2 contracts) | MUTUAL OF OMAHA | 193 | $34K |
| Short-term disability(2 contracts) | MUTUAL OF OMAHA | 192 | $32K |
| Long-term disability | MUTUAL OF OMAHA | 192 | $43K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 243 | $1.5M |
| Other(5 contracts) | MUTUAL OF OMAHA | 193 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.