| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATWOOD INSURANCE AGENCY3 | 800 PACIFIC STREET PLACERVILLE, CA 95667 | KAISER FOUNDATION HEALTH PLAN INC | $31K | — | $31K | 4.21% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET FLOOR 21 SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 0.77% |
| ATWOOD INSURANCE AGENCY3 | 800 PACIFIC STREET PLACERVILLE, CA 95667 | SUTTER HEALTH PLAN | $8K | — | $8K | 4.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PLACE SUITE 370 GOLD RIVER, CA 95670 | SUTTER HEALTH PLAN | $2K | — | $2K | 1.07% |
| ATWOOD INSURANCE AGENCY3 | 800 PACIFIC STREET PLACERVILLE, CA 95667 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 2.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | AMERITAS LIFE INSURANCE CORPORATION | — | $2K | $2K | 2.01% |
| ATWOOD INSURANCE AGENCY3 | 800 PACIFIC STREET PLACERVILLE, CA 95667 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 11.49% |
| ATWOOD INSURANCE AGENCY3 | 800 PACIFIC STREET PLACERVILLE, CA 95667 | VSP | $2K | — | $2K | 8.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | VSP | $393 | — | $393 | 1.51% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 144 | $928K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 259 | $113K |
| Vision | VSP | 111 | $26K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $54K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $54K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 144 | $928K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.