| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY #400 ATLANTA, GA 30342 | DELTA DENTAL INSURANCE COMPANY | $122K | — | $122K | 4.25% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N. PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $142K | — | $142K | 8.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 0.85% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | — | $52K | 5.43% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 0.79% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PKWY STE 400 ATLANTA, GA 30342 | RELIASTAR LIFE INSURANCE COMPANY | $84K | — | $84K | 19.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PARKWAY SUITE 325 SAN RAMON, CA 94583 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 1.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN, INC | $4K | — | $4K | 3.61% |
| EDGEWOOD PARTNER INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | ARAG INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| AON CONSULTING INC5 Filed as: BSWIFT, LLC | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | ARAG INSURANCE COMPANY | — | $4K | $4K | 5.00% |
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 | 5,291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 212 | $1.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 6,721 | $3.5M |
| Vision | EYEMED VISION CARE | 5,952 | $383K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,335 | $1.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,336 | $954K |
| Prescription drug(3 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 77 | $1.0M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 734 | $518K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,721 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.