| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SRVS OF CA | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | GUARDIAN LIFE INSURANCE OF AMERICA | $27K | $18K | $44K | 5.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | GUARDIAN LIFE INSURANCE OF AMERICA | $22K | — | $22K | 2.87% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 900517653 | EYEMED VISION CARE | $12K | — | $12K | 15.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SRV OF CA | PO BOX 743055 LOS ANGELES, CA 900743055 | EYEMED VISION CARE | $12 | — | $12 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERV OF CA | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 3.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 2.54% |
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 | 943 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 8 | $45K |
| Vision | EYEMED VISION CARE | 1,379 | $77K |
| Life insurance | GUARDIAN LIFE INSURANCE OF AMERICA | 943 | $758K |
| Short-term disability | GUARDIAN LIFE INSURANCE OF AMERICA | 943 | $758K |
| Long-term disability | GUARDIAN LIFE INSURANCE OF AMERICA | 943 | $758K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 8 | $45K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE OF AMERICA | 1,061 | $785K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,379 | — |
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.