| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA HEALTH, INC. | $44K | — | $44K | 3.33% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | AETNA HEALTH, INC. | $9K | — | $9K | 0.69% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 3.29% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 4.85% |
| ANDREINI & COMPANY3 | 220 W 20TH AVENUE SAN MATEO, CA 94403 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ANDREINI & COMPANY3 | 220 W. 20TH AVENUE SAN MATEO, CA 94403 | EYEMED VISION CARE | $1K | — | $1K | 10.02% |
| ANDREINI & COMPANY3 | 220 W 20TH AVENUE SAN MATEO, CA 94403 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 201 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 239 | $1.7M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $167K |
| Vision | EYEMED VISION CARE | 234 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $16K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 239 | $1.7M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.