| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIANS SERVICE | $39K | — | $39K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | BLUE CROSS OF CALIFORNIA | $10K | — | $10K | 9.70% |
| KRISTIN LEASE3 | 3645 NORTH PIONEER BOULEVARD LONG BEACH, CA 90808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $522 | — | $522 | 18.14% |
| CARLOS MENDEZ3 | 1936 EAST DE ERE AVENUE SANTA ANA, CA 92705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $397 | $473 | 16.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $460 | — | $460 | 15.99% |
| JENNIFER KARSTING3 | 1936 EAST DEERE AVENUE, SUITE 215 SANTA ANA, CA 92705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $159 | $235 | 8.17% |
| EDITH VIEYRA3 | 1432 EAST MARKET STREET LONG BEACH, CA 90805 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $24 | $139 | 4.83% |
| MICHAEL JAMES LANCASTER3 Filed as: MICHAEL LANCASTER AND OTHER AGENTS | 22365 EL TORO ROAD LAKE FOREST, CA 92630 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $2 | $67 | 2.33% |
| SUZETTE KARSTING3 | 1936 EAST DEERE AVENUE, SUITE 215 SANTA ANA, CA 92705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 1.36% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 187 | $772K |
| Dental | BLUE CROSS OF CALIFORNIA | 208 | $103K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 208 | $103K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 187 | $772K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 208 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.