| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94529 | UNITED HEALTHCARE INSURANCE COMPANY | $26K | $721 | $27K | 3.16% |
| I2I BENEFITS AND INSURANCE SERVICES3 | 702 MARSHALL STREET, SUITE 417 REDWOOD CITY, CA 94063 | UNITED HEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 3.34% |
| I2I BENEFITS AND INSURANCE SERVICES3 Filed as: I2I BEENFITS AND INSURANCE SERVICES | 702 MARSHALL STREET, SUITE 417 REDWOOD CITY, CA 94063 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 1.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $18K | 8.86% |
| I2I BENEFITS AND INSURANCE SERVICES3 | 702 MARSHALL STREET, SUITE 417 REDWOOD CITY, CA 94063 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 3.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $975 | $5K | 11.16% |
| I2I BENEFITS AND INSURANCE SERVICES3 | 702 MARSHALL STREET, SUITE 417 REDWOOD CITY, CA 94063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | VISION SERVICE PLAN | $935 | — | $935 | 3.49% |
| I2I BENEFITS AND INSURANCE SERVICES3 | 702 MARSHALL STREET, SUITE 417 REDWOOD CITY, CA 94063 | VISION SERVICE PLAN | $371 | — | $371 | 1.38% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 204 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $200K |
| Vision | VISION SERVICE PLAN | 147 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $200K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $241K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $241K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 204 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.