| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 0.24% |
| DENNIS K. GREENE INC.3 Filed as: DENNIS K. GREENE, INC. | 675 W FOOTHILL BLVD SUITE 202 CLAREMONT, CA 91711 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 3.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 301 GRANT ST #470 PITTSBURGH, PA 15219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 7.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE COMPANY | P.O. BOX 102160 SACRAMENTO, CA 91189 | MERCYCARE INSURANCE COMPANY | $4K | — | $4K | 1.83% |
| DENNIS K. GREENE INC.3 Filed as: DENNIS K. GREENE, INC. | 675 W FOOTHILL BLVD SUITE 202 CLAREMONT, CA 91711 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 2.08% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $333 | $27 | $360 | 27.01% |
| PATRIOT GROWTH INSURANCE SERVICES3 | P.O. BOX 240518 MONTGOMERY, AL 36124 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52 | $16 | $68 | 12.95% |
| PEACHTREE PLANNING OF GEORGIA3 | 5040 ROSEWELL ROAD ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.19% |
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 | 566 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 717 | $5.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 717 | $4.8M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 717 | $4.8M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 629 | $210K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 629 | $209K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 629 | $209K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 35 | $398K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 629 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.