| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $96K | — | $96K | 3.69% |
| NAVALI & COMPANY INC3 | 19200 VON KARMAN AVE STE 600 IRVINE, CA 92612 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | — | $49K | 1.87% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.25% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | SUITE 1950 200 GALLERIA PARKWAY ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPAN OF AMERICA | $13K | $8K | $21K | 10.60% |
| NAVALI AND COMPANY INC3 | SUITE 600 19200 VON KARMON IRVINE, CA 92612 | PRUDENTIAL INSURANCE COMPAN OF AMERICA | $7K | — | $7K | 3.39% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPAN OF AMERICA | — | $53 | $53 | 0.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 14.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 N BRAND BLVD 6TH FLOOR GLENDALE, CA 91203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.12% |
| NAVALI & COMPANY INC3 | 19200 VON KARMAN AVENUE SUITE 600 IRVINE, CA 92612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 19.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 N BRAND BLVD 6TH FLOOR GLENDALE, CA 91203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $574 | — | $574 | 3.30% |
| NAVALI & COMPANY INC3 | 19200 VON KARMAN AVENUE SUITE 600 IRVINE, CA 92612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.21% |
| NAVALI & COMPANY INC3 | 19200 VON KARMAN AVENUE SUITE 600 IRVINE, CA 92612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $519 | — | $519 | 3.74% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 496 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 496 | $2.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 496 | $2.6M |
| Life insurance | PRUDENTIAL INSURANCE COMPAN OF AMERICA | 282 | $201K |
| Short-term disability | PRUDENTIAL INSURANCE COMPAN OF AMERICA | 282 | $201K |
| Long-term disability | PRUDENTIAL INSURANCE COMPAN OF AMERICA | 282 | $201K |
| Other(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPAN OF AMERICA | 282 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.