| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | PO BOX 5668 CONCORD, CA 94524 | UNITEDHEALTHCARE INSURANCE COMPANY | $78K | $0 | $78K | 4.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | PO BOX 5003 SAN RAMON, CA 94583 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $756 | $0 | $756 | 3.94% |
| VOLUNTARY BENEFIT ADVISORS3 | 1936 EAST DEERE AVENUE SANTA ANA, CA 92705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.37% |
| MJ INSURANCE3 Filed as: SUZETTE KARSTING & VARIOUS AGENTS | 2400 MAIN STREET IRVINE, CA 92614 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.35% |
| CARLOS MENDEZ3 | 1936 EAST DEERE AVENUE, SUITE 215 SANTA ANA, CA 92705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.31% |
| JESSIE SANCHEZ3 | 2538 WEST MCARTHUR SANTA ANA, CA 92704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.29% |
| MICHAEL JAMES LANCASTER3 | 22365 EL TORO ROAD LAKE FOREST, CA 92630 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.25% |
| MIKE MCCORMICK3 | 7 MONSERRAT PLACE CA, AK 92610 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.25% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $1.7M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $1.7M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.