| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $143K | $4K | $147K | 3.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3435 WILSHIRE BOULEVARD, SUITE 3000 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $48K | $0 | $48K | 1.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | UNKNOWN FULLERTON, CA 92833 | DELTA DENTAL OF CALIFORNIA | $21K | $0 | $21K | 6.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | UNKNOWN FULLERTON, CA 92833 | DELTA DENTAL OF CALIFORNIA | $11K | $0 | $11K | 3.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $52 | $52 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $47 | $47 | 0.02% |
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 | 464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 349 | $4.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 729 | $322K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $253K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $253K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $253K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $253K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 349 | $4.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.