| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | KAISER FOUNDATION HEALTH PLAN INC | $30K | — | $30K | 4.95% |
| BEERE & PURVES INC3 | 500 YGNACIO VALLEY RD STE 450 WALNUT CREEK, CA 945963853 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 1.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $33K | — | $33K | 9.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 2.77% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $925 | $925 | 1.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.64% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.23% |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 79 | $607K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 224 | $336K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 224 | $336K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 358 | $61K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $49K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 79 | $607K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 358 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.