| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIAN'S SERVICE | — | $42K | $42K | 5.30% |
| WELDON G KERR3 | RBG SAN JOSE 6155 ALMADEN EXPWY#210 SAN JOSE, CA 95120 | CALIFORNIA PHYSICIAN'S SERVICE | — | $16K | $16K | 2.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | — | $13K | 4.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 94104 | DELTA DENTAL OF CALIFORNIA | $9K | — | $9K | 9.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $851 | $7K | 12.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $349 | $3K | 5.60% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 8000 NORMAN CETNER DR. STE 605 BLOOMINGTON, MN 554371178 | METROPOLITAN LIFE INSURANCE COMPANY | $161 | $32 | $193 | 0.33% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DR CENTER LL STE 30 ELMWOOD PARK, NJ 07407 | VISION SERVICE PLAN | $681 | — | $681 | 6.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN, INC. | $413 | — | $413 | 4.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | HOLMAN FAMILY COUNSELING, INC. | $154 | — | $154 | 4.98% |
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 | 87 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIAN'S SERVICE | 82 | $1.1M |
| Dental | DELTA DENTAL OF CALIFORNIA | 150 | $87K |
| Vision | VISION SERVICE PLAN | 69 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 106 | $58K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 106 | $58K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 106 | $58K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIAN'S SERVICE | 82 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.