| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 941115402 | KAISER FOUNDATION HEALTH PLAN INC | $50K | — | $50K | 2.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | STE 400 200 GLENRIDGE PT PWKY ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75K | $17K | $93K | 10.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | STE 400 200 GLENRIDGE PT PWKY ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $11K | $21K | 3.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | STE 400 200 GLENRIDGE PT PKWY ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $99K | $7K | $106K | 64.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE PT PKWY STE 400 ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $61K | $4K | $65K | 64.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE COMPANY | PO BOX 5668 CONCORD, CA 94524 | ARAG INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 100 MONTGOMERY ST STE 2000 SAN FRANCISCO, CA 94104 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $828 | — | $828 | 15.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 RIO VISTA, CA 94571 | HARTFORD FIRE INSURANCE COMPANY | $0 | — | $0 | — |
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 | 2,532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 216 | $1.7M |
| Vision | VISION SERVICE PLAN | 1,633 | $251K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,498 | $904K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,953 | $550K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 216 | $1.7M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,498 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,953 | — |
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.