| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $352K | — | $352K | 3.28% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | UNITED HEALTHCARE INSURANCE COMPANY | $97K | — | $97K | 0.91% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $73K | $2 | $73K | 4.09% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | — | $16K | 0.89% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $57K | — | $57K | 8.56% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 1.44% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 12.95% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.05% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 8.58% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.42% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 8.58% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.42% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 12.88% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.12% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.10% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $628 | — | $628 | 1.89% |
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 | 1,036 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,950 | $12.5M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 758 | $713K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,036 | $391K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 387 | $88K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,036 | $100K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 393 | $1.8M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,036 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,950 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.