| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | AETNA | $148K | $8K | $157K | 3.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | KAISER FOUNDATION | $40K | — | $40K | 5.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION | $3K | — | $3K | 0.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | AETNA | $12K | — | $12K | 2.88% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | — | LINCOLN NATIONAL LIFE | $5K | $4K | $8K | 7.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | LINCOLN NATIONAL LIFE | $485 | — | $485 | 0.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | — | KAISER FOUNDATION | $4K | — | $4K | 4.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION | $450 | — | $450 | 0.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | VISION SERVICE PLAN | $1K | — | $1K | 2.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | VISION SERVICE PLAN | $584 | — | $584 | 0.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | — | LINCOLN NATIONAL LIFE | $2K | $1K | $3K | 7.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | LINCOLN NATIONAL LIFE | $153 | — | $153 | 0.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | — | LINCOLN NATIONAL LIFE | $4K | $1K | $5K | 17.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | LINCOLN NATIONAL LIFE | $415 | — | $415 | 1.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAVIA BENEFITS SOLUTIONS, INC. EIN 91-1467758 FSA CLAIMS & ADM | Claims processing Service code 12 | — | $8K |
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 | 440 | 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) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AETNA | 979 | $6.2M |
| Dental | AETNA | 979 | $5.0M |
| Vision | VISION SERVICE PLAN | 422 | $64K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE | 479 | $65K |
| Short-term disability | LINCOLN NATIONAL LIFE | 479 | $107K |
| Long-term disability | LINCOLN NATIONAL LIFE | 479 | $107K |
| Prescription drug(3 contracts, 2 carriers) | AETNA | 979 | $6.1M |
| Other(3 contracts) | LINCOLN NATIONAL LIFE | 479 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 979 | — |
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."
No prospect flags tripped on this filing.