| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S. GRAND AVENUE, STE 4500 LOS ANGELES, CA 90071 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $47K | $4K | $51K | 1.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD HOUSTON, TX 77056 | UNITED HEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 4.95% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1401 WILLOW PASS ROAD, STE 850 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $11K | $0 | $11K | 4.82% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $17K | — | $17K | 8.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S. GRAND AVENUE, STE 4500 LOS ANGELES, CA 90071 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 1.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $80 | — | $80 | 8.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S. GRAND AVENUE, STE 4500 LOS ANGELES, CA 90071 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13 | — | $13 | 1.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $776K |
| EDGEWOOD PARTNERS INSURANCE CENTER EIN 94-3195221 BROKER | Other commissions Service code 55 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | $106K |
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 | 1,329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 688 | $3.4M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,204 | $208K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 933 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,204 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.