| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | — | $78K | $78K | 5.28% |
| AMWINS3 Filed as: LISI, INC | 1600 W HILLSDALE BLVD. SUITE 201 SAN MATEO, CA 94402 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $31K | — | $31K | 2.11% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET 21 ST FLOOR SAN FRANCISCO, CA 94105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $703 | — | $703 | 9.99% |
| AMWINS3 Filed as: LISI, INC | 1600 W HILLSIDE BLVD SUITE 201 SAN MATEO, CA 94402 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $102 | — | $102 | 1.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACCARTHUR BLVD. PENTHOUSE SUITE IRVINE, CA 92612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 14.62% |
| FMLA SOURCE INC5 Filed as: FMLA SOURCE INC. | 455 N CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 80.93% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHER BLVD. PH SUITE IRVINE, CA 92612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $913 | — | $913 | 15.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD. PH STE IRVINE, CA 92612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $817 | — | $817 | 15.01% |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 271 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 322 | $118K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 322 | $118K |
| Life insurance(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 232 | $13K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16 | $5K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 271 | $1.5M |
| Other(3 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 232 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.