| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD., PENTHOUSE FL IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $88K | — | $88K | 3.21% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE MENLO PARK, CA 94025 | AETNA LIFE INSURANCE COMPANY | $55K | — | $55K | 2.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | $1 | $16K | 3.20% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 1.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 3.46% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 1.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1410 SPRING HILL ROAD MCLEAN, VA 22102 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $337 | $4K | 4.89% |
| HEALTH WEALTH ADVOCATES LLC3 Filed as: HEALTH WEALTH ADVOCATES | 12110 SUNSET HILLS ROAD RESTON, VA 20190 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $319 | $2K | 2.30% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE MENLO PARK, CA 94025 | UNITED HEALTHCARE INSURANCE COMPANY | $883 | — | $883 | 1.16% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE MENLO PARK, CA 94025 | GUARDIAN | $5K | — | $5K | 10.00% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE MENLO PARK, CA 94025 | GUARDIAN | $1K | $3K | $4K | 15.77% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | GUARDIAN | $2K | — | $2K | 5.99% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.83% |
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 | 1,786 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 601 | $3.4M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 601 | $2.8M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 601 | $2.8M |
| Life insurance(2 contracts) | GUARDIAN | 1,786 | $79K |
| Short-term disability | GUARDIAN | 330 | $26K |
| Long-term disability | GUARDIAN | 330 | $26K |
| Prescription drug(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 601 | $3.4M |
| Other(2 contracts) | GUARDIAN | 1,786 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,786 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.