| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94520 | BLUE CROSS OF CALIFORNIA | $80K | — | $80K | 5.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS OF CALIFORNIA | — | $342 | $342 | 0.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | AMERITAS LIFE INSURANCE CORP. | $10K | — | $10K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 CONCORD, CA 94520 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 12.24% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $832 | $832 | 0.88% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102158 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $825 | $825 | 0.87% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | P.O. BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $52 | $52 | 0.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | -$308 | -$44 | -$352 | -0.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | PO BOX 5668 CONCORD, CA 94524 | VISION SERVICE PLAN | $2K | — | $2K | 3.90% |
| 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 | $492 | — | $492 | 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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 148 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 204 | $104K |
| Vision | VISION SERVICE PLAN | 65 | $45K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 111 | $94K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 111 | $94K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 111 | $94K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 148 | $1.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 111 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.