| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC. | $30K | — | $30K | 5.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | UNITED CONCORDIA INSURANCE COMPANY | $7K | -$1 | $7K | 9.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIANS' SERVICE | $2K | — | $2K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1720 NE 4TH ST BEND, OR 97701 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.74% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | 8777 N GAINEY CENTER DR STE 260 SCOTTSDALE, AZ 852582117 | METROPOLITAN LIFE INSURANCE COMPANY | $357 | — | $357 | 4.32% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $149 | $149 | 1.80% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 70 | $654K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 126 | $72K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $8K |
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 164 | $24K |
| Long-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 164 | $24K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 70 | $654K |
| Other | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 164 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.