| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC. | $34K | $227 | $34K | 4.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5003 SAN RAMON, CA 94583 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $18K | 12.77% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5003 SAN RAMON, CA 94583 | SIMNSA HEALTH PLAN | $3K | — | $3K | 3.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5003 SAN RAMON, CA 94583 | SIMNSA HEALTH PLAN | $1K | — | $1K | 3.50% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 28.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5003 SAN RAMON, CA 94583 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $956 | $4K | 15.91% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 20.22% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5003 SAN RAMON, CA 94583 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $572 | $2K | 11.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD., PENTHOUSE FL IRVINE, CA 92612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 30.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5003 SAN RAMON, CA 94583 | SAFEGUARD HEALTH PLAN, INC. | $2K | $320 | $2K | 12.66% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 24.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5003 SAN RAMON, CA 94583 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $717 | $3K | 14.55% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 64.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5003 SAN RAMON, CA 94583 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $359 | $2K | 34.77% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD., PENTHOUSE FL IRVINE, CA 92612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 29.99% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 293 | $1.8M |
| Dental(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 467 | $281K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 467 | $143K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 467 | $143K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 38 | $18K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 39 | $24K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $1.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 467 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.