| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | $144K | $1K | $146K | 31.28% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 5.52% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $6 | $6 | 0.06% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $426 | — | $426 | 5.39% |
| KEVIN MICHAEL NAGLE3 Filed as: KEVIN M. NAGLE | 1048 14TH STREET SUITE 101 SANTA MONICA, CA 90403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | — | $130 | 1.64% |
| MICHAEL J. RINKE3 | 7349 PONCE AVENUE WEST HILLS, CA 91307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 1.35% |
| MICHELLE L RAMSOUER3 Filed as: MICHELLE L. RAMSOUER | PO BOX 1394 GEORGE WEST, TX 78022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 1.04% |
| LABAN M. SPALDING3 | 4297 KLUME AVENUE STUDIO CITY, CA 91602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 1.00% |
| ADAM H MICHAELS3 Filed as: ADAM H. MICHAELS | 2922 CORDA LANE LOS ANGELES, CA 90049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.64% |
| SHIRLEY S. HAGER3 | 1930 BARRY AVENUE LOS ANGELES, CA 90025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.47% |
| BRENDA R. MATUTE3 | 7125 LENNOX AVENUE SUITE 239 VAN NUYS, CA 91405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.34% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER A. HAGER | 8201 PARK HILL DRIVE LOS ANGELES, CA 90045 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.16% |
| CHARLES EDWARD WILLIAMS3 Filed as: CHARLES E. WILLIAMS | 847 N. HOLLYWOOD WAY SUITE 204 BURBANK, CA 91505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.14% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH A. BUZELLO | 9018 BALBOA BOULEVARD SUITE 254 NORTHRIDGE, CA 91325 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.11% |
| STEVEN GOLDSTEIN3 | 6255 VENTURA CANYON VALLEY GLEN, CA 91401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| NANCY C. CANO3 | 735 N. HILL AVENUE PASADENA, CA 91104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 631224042 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION (METLIFE) | $282 | $57 | $339 | 5.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION (METLIFE) | — | $88 | $88 | 1.44% |
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 | 519 | 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) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 21 | $305K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 361 | $129K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 84 | $8K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 21 | $305K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF CALIFORNIA | 511 | $465K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 84 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.