| 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 | $169K | — | $169K | 5.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | KAISER FOUNDATION HEALTH PLAN INC. | $45K | $2 | $45K | 5.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | $1 | $23K | 4.88% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $31K | — | $31K | 13.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 2.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.65% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | GUARDIAN | $11K | — | $11K | 15.36% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | GUARDIAN | $996 | $3K | $4K | 5.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | GUARDIAN | $2K | — | $2K | 10.00% |
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 | 2,246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 824 | $4.7M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 824 | $3.3M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 824 | $3.1M |
| Life insurance | GUARDIAN | 2,246 | $70K |
| Short-term disability | GUARDIAN | 373 | $23K |
| Long-term disability | GUARDIAN | 373 | $23K |
| Prescription drug(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 824 | $4.7M |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 2,246 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,246 | — |
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.