| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC. | $28K | $1 | $28K | 3.88% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC. EMPL. BEN. | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 900713101 | KAISER FOUNDATION HEALTH PLAN INC. | $22K | $0 | $22K | 3.09% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $0 | $26K | 7.48% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 130 N. BRAND BOULEVARD, SUITE 130 GLENDALE, CA 91203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $12K | $12K | 3.64% |
| TRAPANI DICKINS & ASSOC. EMP. BEN.3 Filed as: TRAPANI DICKINS & ASSOC EMP BEN | 515 S FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.62% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $15K | 8.71% |
| DIGITAL INSURANCE LLC3 | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 900713101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $6K | $7K | 8.20% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 6.03% |
| CONSOLIDATED FINANCIAL0 | 1550 W COLORADO BLVD PASADENA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20 | $0 | $20 | 0.02% |
| WILLNER-CARDINET-KIDWELL3 | 333 N INDIAN HILL BLVD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | $0 | $4 | 0.00% |
| BARTON J. DICKINS3 | 1436 EL VAGO STREET LA CANADA, CA 91011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $528 | $5K | 16.67% |
| BARTON J. DICKINS3 Filed as: BARTON J DICKINS | 1436 EL VAGO STREET LA CANADA, CA 91011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.13% |
| BARTON J. DICKINS3 Filed as: BARTON J DICKINS | 1436 EL VAGO STREET LA CANADA, CA 91011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.77% |
| DIGITAL INSURANCE LLC3 | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 900713101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $234 | $733 | $967 | 9.20% |
| CONSOLIDATED FINANCIAL0 | 1550 W COLORADO BLVD PASADENA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | $0 | $5 | 0.05% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC EMPL BEN | 515 S FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $510 | $0 | $510 | 5.56% |
| BARTON J. DICKINS3 Filed as: BARTON J DICKINS | 1436 EL VAGO STREET LA CANADA, CA 91011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $557 | $0 | $557 | 14.99% |
| TRAPANI DICKINS & ASSOCIATES3 | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $660 | $0 | $660 | 20.00% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 105 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $91K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $91K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $200K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 27 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $169K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 51 | $341K |
| Other(8 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.