| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | $0 | $23K | 2.86% |
| DECISELY INSURANCE SERVICES INC3 Filed as: DECISELY INSURANCE SERVICES, INC. | 3700 MANSELL ROAD, SUITE 525 ALPHARETTA, GA 30022 | KAISER FOUNDATION HEALTH PLAN INC. | $17K | $0 | $17K | 2.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD, SUITE 200 DULUTH, GA 30096 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $18K | $0 | $18K | 6.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.27% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5100 N 40TH STREET PHOENIX, AZ 85018 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.00% |
| DECISELY INSURANCE SERVICES INC3 Filed as: DECISELY INSURANCE SERVICES, INC. | 3700 MANSELL ROAD, SUITE 525 ALPHARETT, GA 30022 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | STANDARD INSURANCE COMPANY | $5K | $4K | $9K | 17.08% |
| DECISELY INSURANCE SERVICES INC3 Filed as: DECISELY INSURANCE SERVICES, INC. | 1700 MONTGOMERY STREET, SUITE 240 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $626 | $0 | $626 | 1.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | WESTERN DENTAL SERVICES, INC. | $5K | $0 | $5K | 10.00% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 206 | $1.1M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $125K |
| Life insurance | STANDARD INSURANCE COMPANY | 623 | $54K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 206 | $1.1M |
| Other | STANDARD INSURANCE COMPANY | 623 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.