| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET STE 400 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 20.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 232017 PLEASANT HILL, CA 94523 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $1K | $8K | 13.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE #800 CONCORD, CA 94520 | EYEMED VISION CARE | $2K | — | $2K | 15.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | TELADOC HEALTH, INC. | $452 | — | $452 | 14.99% |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 126 | $60K |
| Vision | EYEMED VISION CARE | 170 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 258 | $123K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 258 | $123K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 258 | $123K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 258 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.