| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | BLUE CROSS OF CALIFORNIA | $78K | — | $78K | 2.58% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 20 E RANDOLPH STREET CHICAGO, IL 60601 | BLUE CROSS OF CALIFORNIA | $78K | — | $78K | 2.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS OF CALIFORNIA | — | $676 | $676 | 0.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD CONCORD, CA 945205200 | AMERITAS LIFE INSURANCE CORP. | $12K | — | $12K | 5.70% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 4.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $16K | $3K | $19K | 11.18% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 RIO VISTA, CA 94571 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 4.68% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | P.O. BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $439 | $439 | 0.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5666 CONCORD, CA 94524 | VISION SERVICE PLAN | $1K | — | $1K | 2.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $638 | — | $638 | 1.12% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST IN | 2277 FAIR OAKS BLVD. SUITE 250 SACRAMENTO, CA 95825 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $574 | — | $574 | 15.00% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 253 | $3.0M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 303 | $207K |
| Vision | VISION SERVICE PLAN | 131 | $57K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 149 | $170K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 149 | $170K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 149 | $170K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 253 | $3.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 149 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.