| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $111K | $28K | $139K | 14.30% |
| CLEARTRACK HR, LLC3 Filed as: CLEARTRACK HR LLC | 305 QUALITY CIRCLE NW SUITE A HUNSTSVILLE, AL 35806 | COMBINED INSURANCE | $27K | — | $27K | 14.54% |
| HEATHER D BAGWELL MCFARLAND3 | 1024 COUNTY ROAD ROGERSVILLE, AL 36552 | COMBINED INSURANCE | $58 | — | $58 | 0.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | EYEMED VISION CARE | $12K | — | $12K | 14.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $2K | $19K | 24.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $514 | $6K | 22.05% |
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 | 818 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $78K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,066 | $971K |
| Vision | EYEMED VISION CARE | 1,498 | $80K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,066 | $971K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,066 | $971K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,066 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,066 | — |
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.