| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | CALIFORNIA PHYSICIANS SERVICE | $18K | — | $18K | 3.64% |
| ROGERS BENEFIT GROUP INC3 Filed as: WELDON G KERR RBG SAN JOSE | 6155 ALAMEDA EXPWY, STE 210 SAN JOSE, CA 95120 | CALIFORNIA PHYSICIANS SERVICE | $8K | — | $8K | 1.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | CALIFORNIA PHYSICIANS SERVICE | $12K | — | $12K | 3.62% |
| ROGERS BENEFIT GROUP INC3 Filed as: WELDON G KERR RBG SAN JOSE | 6155 ALAMEDA EXPWY, STE 210 SAN JOSE, CA 95120 | CALIFORNIA PHYSICIANS SERVICE | $6K | — | $6K | 1.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | CALIFORNIA PHYSICIANS SERVICE | $11K | — | $11K | 3.53% |
| ROGERS BENEFIT GROUP INC3 Filed as: WELDON G KERR RBG SAN JOSE | 6155 ALAMEDA EXPWY, STE 210 SAN JOSE, CA 95120 | CALIFORNIA PHYSICIANS SERVICE | $6K | — | $6K | 1.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 11.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $824 | $357 | $1K | 14.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $367 | $137 | $504 | 13.75% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | CALIFORNIA PHYSICIANS SERVICE | 33 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $73K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $8K |
| Life insurance(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 173 | $325K |
| Prescription drug(2 contracts) | CALIFORNIA PHYSICIANS SERVICE | 33 | $824K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
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.