| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST, STE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC. | $46K | — | $46K | 3.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST, STE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 3.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 11.87% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 20.73% |
| ANTHONY M SIMONETTA3 | 1303 SHEFFIELD CT CAROL STREAM, IL 60188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $650 | — | $650 | 0.79% |
| FINANCIAL RENAISSANCE3 | 1016 W JACKSON BLVD SUITE 407 CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $202 | — | $202 | 0.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | ARMADACARE | $900 | — | $900 | 1.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $2K | — | $2K | 4.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $275 | — | $275 | 12.17% |
| ANTHONY M SIMONETTA3 | 1303 SHEFFIELD CT CAROL STREAM, IL 60188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 2.21% |
| FINANCIAL RENAISSANCE3 | 1016 W JACKSON BLVD SUITE 407 CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.71% |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 137 | $1.6M |
| Vision | VISION SERVICE PLAN | 291 | $48K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 300 | $201K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 300 | $185K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 137 | $1.6M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 350 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.