| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | BLUE CROSS OF CALIFORNIA | $39K | — | $39K | 4.94% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES | 1350 TREAT BLVD., SUITE 470 WALNUT CREEK, CA 94597 | BLUE CROSS OF CALIFORNIA | — | $16K | $16K | 1.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 4.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $2K | $17K | 8.94% |
| JAMES C JENKINS INSURANCE SERVICE3 Filed as: JAMES C JENKINS INS SVC INC. | PO BOX 5668 CONCORD, CA 94524 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 5.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | VISION SERVICE PLAN | $746 | — | $746 | 2.82% |
| JAMES C JENKINS INSURANCE SERVICE3 Filed as: JAMES C JENKINS INS SVC INC. | PO BOX 5668 CONCORD, CA 94524 | VISION SERVICE PLAN | $553 | — | $553 | 2.09% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 115 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $188K |
| Vision | VISION SERVICE PLAN | 135 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $188K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $188K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $188K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 115 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.