| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BOULEVARD, PH SUITE IRVINE, CA 92612 | UNITEDHEALTHCARE INSURANCE COMPANY | $155K | $0 | $155K | 7.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102160 PASADENA, CA 91189 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $14K | $14K | 0.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $6K | $34K | 14.12% |
| CKFIS INC3 Filed as: CKFIS INC DBA CAL-KOR INS. SERVICES | 3255 WILSHIRE BOULEVARD, SUITE 1500 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | -$4 | $0 | -$4 | -0.00% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $244K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $244K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $244K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $244K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $2.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.