| 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 | CALIFORNIA PHYSICIANS SERVICE (BLUE SHIELD OF CA) | $12K | $293 | $13K | 0.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $44K | — | $44K | 11.13% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | — | $21K | 9.08% |
| MCCAREY INC3 Filed as: MCCAREY INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $3K | $15K | 6.41% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 2.56% |
| MARY DAUGHERTY3 | 7625 STAR GAZING LANE KNOXVILLE, TN 37938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $746 | $3K | 1.34% |
| GALLANT RISK & INSURANCE SERVICES3 Filed as: GALLANT RISK & INSURANCE SERVICES I | 4160 TEMESCAL CANYON ROAD CORONA, CA 92883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.91% |
| ERNESTO ELOY GARCIA3 | 4710 FALLON PLACE DALLAS, TX 75227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $127 | $2K | 0.71% |
| 44 CAPITAL GROUP INC.3 | 1207 W. WHYTECLIFFE ROAD PALATINE, IL 60067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $963 | — | $963 | 0.41% |
| PENELOPE ROSAS3 | 7300 HENNEMAN WAY MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $871 | $64 | $935 | 0.40% |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FORT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $872 | $26 | $898 | 0.39% |
| YESENIA A SANCHEZ3 Filed as: YESENIA A. HERNANDEZ | 4037 W. 63RD STREET CHICAGO, IL 60629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $761 | $39 | $800 | 0.34% |
| RUBEN D PEREZ3 Filed as: RUBEN D. PEREZ | 6352 ALCORN AVENUE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $576 | $102 | $678 | 0.29% |
| MARIA VANDYKE3 Filed as: MARIA ESCALONA | PO BOX 202587 ARLINGTON, TX 76006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $461 | $138 | $599 | 0.26% |
| TRACY HANAGRIFF3 | 3312 RIVERWALK DRIVE BATON ROUGE, LA 70820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $527 | — | $527 | 0.23% |
| TERRELL & COMPANY INC3 Filed as: TERRELL AGENCY INC. | 242 GULFWAY DRIVE HACKBERRY, LA 70645 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $511 | — | $511 | 0.22% |
| SUSAN CAPRARO3 | 2012 N. 77TH AVENUE ELMWOOD PARK, IL 60707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $433 | — | $433 | 0.19% |
| UZIEL RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | $91 | $424 | 0.18% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | $97 | $412 | 0.18% |
| TANYA MIRIAM KAKON3 | 98 ABALONE LANE EAST PONTE VEDRA BEACH, FL 32082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $17 | $336 | 0.14% |
| DAVID J MCCLELLAN3 Filed as: DAVID GORDON EARL | 289 REDWOOD AVE ELK GROVE VILLAGE, IL 60007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | — | $326 | 0.14% |
| JM TAMER & CO3 | 6500 PAPERMILL DRIVE KNOXVILLE, TX 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $112 | $321 | 0.14% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $132 | $267 | 0.11% |
| ALEXANDER V CAPRARO3 | 2012 N. 77TH AVENUE ELMWOOD PARK, IL 60707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | — | $236 | 0.10% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNE NIGHEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $27 | $186 | 0.08% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $55 | $185 | 0.08% |
| JULIAN OLALDE3 | 10935 ESTATE LANE DALLAS, TX 75238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | — | $184 | 0.08% |
| JOANNA MAIRA MCGOWEN3 | 47 SANTA AGATHA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | — | $165 | 0.07% |
| JOSEPH M TAMER3 | 6500 PAPERMILL DRIVE KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $62 | $163 | 0.07% |
| ALBERTO VALENZUELA3 | 3108 ROUNDTREE LANE GARLAND, TX 75044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 0.07% |
| MICHELLE CRISANTI3 | 802 RIVERWALK DRIVE, #110 WAUKESHA, WI 53188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 0.07% |
| INOCENCIA MAY CRAWFORD3 | 3055 FOOTHILL BLVD, #3 LA CRESCENTA, CA 91214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $7 | $155 | 0.07% |
| JOSHUA T JONES3 | 25 GARFIELD LANE STREAMWOOD, IL 60107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 0.06% |
| ERIC ALEXANDER NOVOA3 | 17871 SHADY VIEW DRIVE CHINO HILLS, CA 91709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $26 | $117 | 0.05% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DRIVE IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $23 | $116 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STACY J. BROWN | 412 S CHANNEL DRIVE ROUND LAKE BEACH, IL 60073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.05% |
| DANA MARIE MOWATT3 | 23701 S. WESTERN AVENUE, #112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $4 | $97 | 0.04% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $11 | $88 | 0.04% |
| ROSA SHALA3 | 16112 HARBOUR VISTA CIRCLE ST. AUGUSTINE, FL 32080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.04% |
| MARTHA R BAEZ3 | 2179 OLD BRIDGE ROAD RIVERSIDE, CA 92506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $2 | $68 | 0.03% |
| FELTER INC3 Filed as: FELTER INC. | 5403 COMMONWEALTH AVENUE WESTERN PRINGS, IA 60558 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.03% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $7 | $59 | 0.03% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $14 | $59 | 0.03% |
| DEL DOWNEY3 | 32056 MERLOT CREST TEMECULA, CA 92591 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $10 | $57 | 0.02% |
| DAVID TODD WEINSTEIN3 | 601 W JACKSON BLVD, SUITE 912 CHICAGO, IL 60661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.02% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $6 | $40 | 0.02% |
| BSK BENEFITS PLUS LLC3 | 585 BEAU CHENE DRIVE MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.02% |
| ROXY KUGLER3 | 20031 LOUISIANA HWY 16 DENHAM SPRINGS, LA 70726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.02% |
| GARSON FINANCIAL SERVICES S C3 | 904 E. PEARSON STREET MILWAUKEE, WI 53202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $15 | $39 | 0.02% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R&B ENROLLMENT SERVICES, INC. | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $1 | $37 | 0.02% |
| NORMITA JOHNSON3 | 9817 TUSCARORA DRIVE BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.01% |
| OTAVIUS MANUEL ORTIZ3 | 785 TUCKER ROAD, SUITE G136 TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| LIFE TIME SOLUTIONS LLC3 | 861 KENWOOD STREET UPLAND, CA 91784 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $5 | $25 | 0.01% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $14 | $21 | 0.01% |
| ELAISIUS BONNER3 | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $11 | $20 | 0.01% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRACH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $10 | $17 | 0.01% |
| COACH CONCEPTS INC3 Filed as: COACH CONCEPTS, INC. | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $4 | $17 | 0.01% |
| BRANDON MARCELLO CENTO3 | 7060 OAKBAY DRIVE NOBLESVILLE, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $5 | $15 | 0.01% |
| PARRISH J PEACHEE3 | 109 N UNION STREET WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| TINA HERNANDEZ3 | 11779 W. COCOPAH STREET AVONDALE, AZ 85323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $2 | $9 | 0.00% |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.00% |
| ADELINA GUADALUPE ORTIZ3 | 22000 GOLDEN STAR BLVD TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| THERESA NETTO PHILLIPS3 | 6219 S. CLARA FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.00% |
| VGM BENEFIT ENROLLMENTS LLC3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 12.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 12.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 13.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 11.16% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CALIFORNIA DENTAL NETWORK, INC. | $839 | — | $839 | 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 | 675 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE (BLUE SHIELD OF CA) | 1,158 | $6.5M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 471 | $408K |
| Vision | STANDARD INSURANCE COMPANY | 461 | $83K |
| Life insurance | STANDARD INSURANCE COMPANY | 787 | $122K |
| Short-term disability | STANDARD INSURANCE COMPANY | 656 | $129K |
| Long-term disability | STANDARD INSURANCE COMPANY | 787 | $215K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE (BLUE SHIELD OF CA) | 1,158 | $6.5M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 787 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,158 | — |
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.