| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $152K | — | $152K | 4.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S. GRAND AVE SUITE 4500 LOS ANGELES, CA 90071 | DELTA DENTAL OF CALIFORNIA | $28K | — | $28K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANC ECENTER | 350 SOUTH GRAND AVE 45TH FLOOR LOS ANGELES, CA 90017 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 24.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD PENTHOUSE FL IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $3K | $4K | 24.82% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 4TH FLOOR SAN FRANCISCO, CA 94104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $309 | — | $309 | 1.87% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD PENTHOUSE FL IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $861 | $2K | 13.69% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 4TH FLOOR SAN FRANCISCO, CA 94104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $289 | — | $289 | 1.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD PENTHOUSE FL IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $2K | $3K | 25.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 4TH FLOOR SAN FRANCISCO, CA 94104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $263 | — | $263 | 1.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD PENTHOUSE FL IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $109 | $234 | $343 | 25.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 4TH FLOOR SAN FRANCISCO, CA 94104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26 | — | $26 | 1.92% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 621 | $3.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 637 | $279K |
| Vision | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 398 | $29K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 405 | $17K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.