| 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 | $68K | $2K | $70K | 5.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC. | $50K | — | $50K | 4.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $52K | $15K | $67K | 15.31% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY EMROLLMENT | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | SUN LIFE ASSURANCE COMPANY OF CANADA | $45K | — | $45K | 10.36% |
| MCCALLUM ALISON SARAH3 | 135 CANYONCREST IRVINE, CA 92603 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5003 SAN RAMON, CA 94583 | SIMNSA HEALTH PLAN | $2K | — | $2K | 3.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5003 SAN RAMON, CA 94583 | SIMNSA HEALTH PLAN | $1K | — | $1K | 3.50% |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 163 | $2.5M |
| Dental(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 416 | $539K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 416 | $437K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 416 | $437K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 416 | $437K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 416 | $437K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 163 | $2.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 416 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.