| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 11.79% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 11.56% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.84% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 770565705 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 19.65% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | — | $258 | $258 | 2.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD FLOOR 25 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE | $98 | — | $98 | 36.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE | — | $14 | $14 | 5.17% |
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 | 545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 563 | $259K |
| Dental | METROPOLITAN LIFE INSURANCE | 995 | $255K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,155 | $63K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 552 | $324K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 376 | $53K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 563 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,155 | — |
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.