| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102158 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | $0 | $41K | 7.63% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD INS BROKERS & CONSULTANTS | ONE CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 95111 | METROPOLITAN GENERAL INSURANCE COMPANY | $781 | $10 | $791 | 11.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN GENERAL INSURANCE COMPANY | $258 | $0 | $258 | 3.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $31 | $31 | 0.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $16 | $16 | 0.23% |
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 | 511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 516 | $541K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 516 | $541K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 516 | $541K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 516 | $541K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 516 | $548K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.