| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SAN FRANCISCO, CA 94104 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $275K | — | $275K | 4.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC. | $68K | — | $68K | 4.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | — | $25K | 3.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | AMERITAS LIFE INSURANCE CORP. | $32K | — | $32K | 5.00% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE BAY ST. LOUIS, MS 39520 | TRUSTMARK INSURANCE COMPANY | $53K | — | $53K | 14.49% |
| PREMIER AUTO3 | 13040 1-10 SERVICE ROAD NEW ORLEANS, LA 70128 | TRUSTMARK INSURANCE COMPANY | $23K | — | $23K | 6.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S GRAND AVENUE LOS ANGELES, CA 90071 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 10.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | ZURICH AMERICAN INSURANCE COMPANY | $33K | — | $33K | 15.00% |
| ADMINISTRAIVE CONCEPTS3 | P.O. BOX 4000 COLLEGEVILLE, PA 19426 | ZURICH AMERICAN INSURANCE COMPANY | $13K | — | $13K | 5.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S GRAND AVENUE LOS ANGELES, CA 90071 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 11.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S GRAND AVENUE LOS ANGELES, CA 90071 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 10.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S GRAND AVENUE LOS ANGELES, CA 90071 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.60% |
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 | 954 | 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) | 958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 512 | $9.4M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 958 | $632K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 958 | $632K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 768 | $523K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 304 | $143K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 459 | $228K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 512 | $9.2M |
| Other(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 768 | $384K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 958 | — |
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.