| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | BLUE SHIELD OF CA | — | $43K | $43K | 6.10% |
| JAMES FREDERICK LEE3 Filed as: JAMES F LEE | 25202 CRENSHAW BLVD 209 TORRANCE, CA 90505 | BLUE SHIELD OF CA | — | $8K | $8K | 1.10% |
| RICHARD B HUBER3 | 14410 VIA VENEZIA 1409 SAN DIEGO, CA 92129 | BLUE SHIELD OF CA | — | $8K | $8K | 1.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 4.75% |
| RICHARD BLAINE HUBER3 Filed as: RICHARD HUBER | PO BOX 7220 REDLANDS, CA 92375 | KAISER FOUNDATION HEALTH PLAN INC | -$167 | — | -$167 | -0.03% |
| JAMES FREDERICK LEE3 Filed as: JAMES LEE | 25202 CRENSHAW BLVD STE 209 TORRANCE, CA 90505 | KAISER FOUNDATION HEALTH PLAN INC | -$167 | — | -$167 | -0.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5003 SAN RAMON, CA 94583 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $11K | 10.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | — | SIMNSA | $3K | — | $3K | 3.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | — | SIMNSA | $2K | — | $2K | 3.50% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK CT SUITE 250 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 24.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5003 SAN RAMON, CA 94583 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $699 | $5K | 12.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $129 | $129 | 0.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD PH SUITE IRVINE, CA 92612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 30.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK COURT SUITE 250 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 30.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5003 SAN RAMON, CA 94583 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $508 | $4K | 15.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $115 | $115 | 0.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5003 SAN RAMON, CA 94583 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $2K | — | $2K | 7.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $396 | $396 | 1.68% |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | BLUE SHIELD OF CA | 218 | $1.4M |
| Dental(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $255K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $110K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $110K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 49 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $26K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CA | 118 | $1.3M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.