| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BOULEVARD IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 8.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BOULVARD SUITE 2500 HOUSTON, TX 77056 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $0 | $17K | 11.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102519 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 5.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PARKWAY, SUITE 325 SAN RAMON, CA 94583 | DEARBORN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 27.49% |
| PATRICA A. BOLLI4 | PO BOX 603 BURWELL, NE 68823 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $273 | $0 | $273 | 4.66% |
| DEANNE LYLES4 | 11230 CEDAR DRIVE MABANK, TX 75156 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $144 | $0 | $144 | 2.46% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2500 CITYWEST BOULEVARD, SUITE 2400 HOUSTON, TX 77042 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $74 | $0 | $74 | 1.26% |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 501 | $243K |
| Vision | AETNA LIFE INSURANCE COMPANY | 501 | $243K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 316 | $148K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 31 | $19K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 316 | $148K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 316 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.