| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | BLUE CROSS BLUE SHIELD OF ARIZONA | $72K | — | $72K | 5.35% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 13.97% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 4.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $840 | $4K | 5.79% |
| EPIC3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | EYEMED VISION CARE | $2K | — | $2K | 14.69% |
| EPIC3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | EYEMED VISION CARE | $11 | — | $11 | 0.07% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 220 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 288 | $69K |
| Vision | EYEMED VISION CARE | 221 | $15K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 142 | $159K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 142 | $159K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 142 | $159K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 220 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.