| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID A RIMBACH3 Filed as: DAVID PATRICK WIESNER | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | BLUECROSS BLUESHIELD OF OKLAHOMA | $5K | — | $5K | 4.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $8K | $1K | $9K | 10.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | STANDARD LIFE INSURANCE COMPANY | $5K | $697 | $5K | 7.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | STANDARD LIFE INSURANCE | $4K | — | $4K | 8.87% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5003 SAN RAMON, CA 94583 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $356 | $356 | 2.20% |
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 | 797 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 26 | $107K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 58 | $16K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 58 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 797 | $86K |
| Short-term disability | STANDARD LIFE INSURANCE COMPANY | 227 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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.