| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN, INC. | $54K | $0 | $54K | 2.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN, INC. | $48K | $0 | $48K | 1.89% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $97K | $7K | $103K | 6.56% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, 1ST FLOOR FLORHAM PARK, NJ 07932 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $61K | $77K | 4.88% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $912 | $3K | $4K | 0.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 5.87% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 4.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $250 | $0 | $250 | 0.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $9K | $0 | $9K | 3.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $3K | $0 | $3K | 2.43% |
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PARKWAY SE SUITE 400 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $3K | $0 | $3K | 1.94% |
| AEGIS INTERNATIONAL INSURANCE3 Filed as: AEGIS INTERNATIONAL INC CO | UNKNOWN TEANECK, NJ 07666 | TRIPLE S SALUD, INC. | $6K | $0 | $6K | 4.95% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | METLIFE LEGAL PLANS | $4K | $2 | $4K | 6.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $3K | $151 | $3K | 4.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62989 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 2.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | METLIFE LEGAL PLANS | $0 | $355 | $355 | 0.54% |
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEEK ROAD SUITE 600 FORT LAUDERDALE, FL 33309 | METLIFE LEGAL PLANS | $0 | $149 | $149 | 0.23% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, 1ST FLOOR FLORHAM PARK, NJ 79321 | METLIFE LEGAL PLANS | $0 | $1 | $1 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $810 | $0 | $810 | 1.73% |
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 | 2,200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 318 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 307 | $2.9M |
| Dental | TRIPLE S SALUD, INC. | 13 | $121K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 3,653 | $244K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,450 | $1.6M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,450 | $1.6M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,450 | $1.6M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 307 | $2.9M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,450 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,653 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.