| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 0.59% |
| WATCHTOWER TECHNOLOGIES INC3 | 360 W ERIE ST STE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $9K | $9K | 1.50% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPNAY OF CANADA | $9K | — | $9K | 2.75% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 022842875 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 2.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY STE 325 SAN RAMON, CA 945834335 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 1.77% |
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 | 563 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,070 | $2.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 504 | $578K |
| Vision | VISION SERVICE PLAN | 489 | $45K |
| Life insurance | SUN LIFE ASSURANCE COMPNAY OF CANADA | 563 | $336K |
| Short-term disability | SUN LIFE ASSURANCE COMPNAY OF CANADA | 563 | $336K |
| Long-term disability | SUN LIFE ASSURANCE COMPNAY OF CANADA | 563 | $336K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 82 | $1.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPNAY OF CANADA | 563 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,070 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.