| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | AETNA HEALTH, INC. | $31K | — | $31K | 3.72% |
| BARBARA OBERMAN INSURANCE SERVICES3 | 28222 AGOURA ROAD, SUITE 205 AGOURA HILLS, CA 91301 | AETNA HEALTH, INC. | $11K | — | $11K | 1.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | — | $23K | 4.48% |
| BARBARA OBERMAN INSURANCE SERVICES3 | 22141 VENTURA BLVD., SUITE 304 WOODLAND HILLS, CA 91364 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 0.45% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 3.97% |
| BARBARA OBERMAN INSURANCE SERVICES3 | 28222 AGOURA ROAD, SUITE 205 AGOURA HILLS, CA 91301 | AETNA LIFE INSURANCE CO. | $845 | — | $845 | 0.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 303393182 | AMERITAS LIFE INSURANCE CORP. | $3K | $2K | $5K | 6.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $1K | — | $1K | 4.83% |
| BARBARA OBERMAN INSURANCE SERVICES3 | 22141 VENTURA BLVD., SUITE 304 WOODLAND HILLS, CA 913645730 | VISION SERVICE PLAN | $72 | — | $72 | 0.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CALIFORNIA DENTAL NETWORK, INC. | $2K | — | $2K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $885 | $177 | $1K | 10.15% |
| BARBARA OBERMAN INSURANCE SERVICES3 | 28222 AGOURA ROAD, SUITE 205 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $207 | — | $207 | 1.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $945 | $126 | $1K | 11.64% |
| BARBARA OBERMAN INSURANCE SERVICES3 | 28222 AGOURA ROAD, SUITE 205 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $437 | — | $437 | 4.75% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 200 | $1.4M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 283 | $99K |
| Vision | VISION SERVICE PLAN | 216 | $23K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $20K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 200 | $1.4M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.