| 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 | $162K | $10K | $172K | 2.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 300969022 | PRINCIPAL LIFE INSURANCE COMPANY | $108K | $13K | $122K | 13.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC. | $26K | — | $26K | 4.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD PENTHOUSE SUITE IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $27K | — | $27K | 15.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5666 CONCORD, CA 94524 | VISION SERVICE PLAN | $3K | — | $3K | 2.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5666 CONCORD, CA 94524 | VISION SERVICE PLAN | $890 | — | $890 | 6.43% |
| MASOLI LEGACY LLC4 | 4319 BLENHEIM WAY CONCORD, CA 94521 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $3K | — | $3K | 28.43% |
| MARIAH L MASOLI4 Filed as: MARIAH L. MASOLI | 588 ALEXIS CIRCLE DALY CITY, CA 94014 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $133 | — | $133 | 1.37% |
| ZACHARIAH K MASOLI4 Filed as: ZACHARIAH K. MASOLI | 588 ALEXIS CIRCLE DALY CITY, CA 94014 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $61 | — | $61 | 0.63% |
| THE SAMSON GROUP4 | 18 GREENGATE COURT SANTA ROSA, CA 95409 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $31 | — | $31 | 0.32% |
| BLUMICIA BUSINESS SOLUTIONS4 | PMB271 3440 YOUNGFIELD STREET WHEAT RIDGE, CO 80033 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $30 | — | $30 | 0.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | $318 | — | $318 | 14.98% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 628 | $7.4M |
| Dental(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 574 | $1.2M |
| Vision(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 286 | $303K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 574 | $899K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 574 | $899K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 574 | $899K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 63 | $553K |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | 354 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.