| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR EPIC | 350 SOUTH GRAND AVENUE 45TH FLOOR LOS ANGELES, CA 90017 | NIPPON LIFE BENEFITS | $69K | — | $69K | 4.92% |
| CKFIS INC3 Filed as: CKFIS INC. | 3200 WILSHIRE BOULEVARD SUITE 1700 LOS ANGELES, CA 90010 | NIPPON LIFE BENEFITS | $590 | — | $590 | 0.04% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE-EDGEWOOD INSURANCE | PO BOX 102159 PASADENA, CA 91189 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 6.64% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE-EDGEWOOD INSURANCE | 1390 WILLOW PASS ROAD #800 CONCORD, CA 94520 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $584 | — | $584 | 3.27% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE BENEFITS | 131 | $1.4M |
| Dental | NIPPON LIFE BENEFITS | 131 | $1.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 241 | $18K |
| Life insurance | NIPPON LIFE BENEFITS | 131 | $1.4M |
| Other | NIPPON LIFE BENEFITS | 131 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.