| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD FL 25 HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $315K | $315K | 4.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1401 WILLOW PASS ROAD SUITE 850 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN | $58K | — | $58K | 5.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $29K | — | $29K | 3.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $129K | $23K | $152K | 17.63% |
| BENETEK CORPORATION3 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $34K | $34K | 4.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1401 WILLOW PASS ROAD SUITE 850 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN | $31K | — | $31K | 5.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $11K | — | $11K | 5.18% |
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 | 1,389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,483 | $9.1M |
| Dental | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 106 | $870K |
| Vision | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 106 | $870K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,389 | $862K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,389 | $862K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,389 | $862K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN | 141 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,483 | — |
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.