| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD LAFAYETTE, CA 94549 | AETNA LIFE INSURANCE CO | $162K | $5K | $167K | 5.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVS OF CA | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | AETNA LIFE INSURANCE CO | — | $4K | $4K | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SRV OF CA | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 2.43% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $1 | $10K | 2.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2300 CONTRA COSTA BLVD STE 375 PLEASANT HILL, CA 945233976 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 6.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | ATTN ACCOUNTING PO BOX 2456 CLEARWATER, FL 337572456 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.73% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $52 | $52 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SRV OF CA | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | KAISER FOUNDATION HEALTH PLAN INC | $239 | — | $239 | 2.63% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | KAISER FOUNDATION HEALTH PLAN INC | $206 | — | $206 | 2.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SRV OF CA | PO BOX 743055 LOS ANGELES, CA 900743055 | EYEMED VISION CARE | $25 | — | $25 | 5.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 900517653 | EYEMED VISION CARE | $18 | — | $18 | 3.69% |
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 | 248 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 362 | $3.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 476 | $255K |
| Vision | EYEMED VISION CARE | 7 | $488 |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 452 | $198K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 452 | $198K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 452 | $198K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 55 | $494K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 452 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.