| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | UNITED HEALTHCARE INSURANCE COMPANY | $363K | — | $363K | 4.17% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC. | $58K | — | $58K | 3.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC. | $28K | — | $28K | 4.06% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE BAY ST. LOUIS, MS 39520 | TRUSTMARK INSURANCE COMPANY | $68K | — | $68K | 16.12% |
| PREMIER AUTO3 | 13040 1-10 SERVICE ROAD NEW ORLEANS, LA 70128 | TRUSTMARK INSURANCE COMPANY | $29K | — | $29K | 6.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | ZURICH AMERICAN INSURANCE COMPANY | $42K | — | $42K | 13.25% |
| ADMINISTRAIVE CONCEPTS3 | P.O. BOX 4000 COLLEGEVILLE, PA 19426 | ZURICH AMERICAN INSURANCE COMPANY | $16K | — | $16K | 5.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $6K | $26K | 12.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $55K | $73K | 40.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $4K | $13K | 13.38% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $473 | $2K | 13.51% |
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 | 912 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,823 | $11.2M |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 912 | $602K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 912 | $97K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 912 | $199K |
| Prescription drug(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,823 | $10.8M |
| Other(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 912 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,823 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.