| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 94111 | UNITEDHEALTHCARE INSURANCE COMPANY | $107K | — | $107K | 3.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5003 SAN RAMON, CA 945830803 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | — | $60K | 10.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST. STE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 2.98% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | — | $499 | $499 | 0.15% |
| SAM T RAMIREZ3 | 2480 COBURN LN APT 3 SHELL BEACH, CA 93449 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 32.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD PH FLOOR IRVINE, CA 926121447 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 9.04% |
| WOODRUFF-SAWYER & CO3 | 220 BUSH ST 7TH FLOOR SAN FRANCISCO, CA 94104 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.64% |
| ADVANBEN MIDATLANTIC, LLC3 | ONE BELMONT AVE STE 304 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.46% |
| KIMBERLY A SCHOTT3 Filed as: KIMBERLY SCHOTT | 5050 HACIENDA DR #2337 DUBLIN, CA 94568 | TRANSAMERICA LIFE INSURANCE COMPANY | $319 | — | $319 | 0.63% |
| TERRANCE J FITCH4 | 6965 SVL BOX VICTORVILLE, CA 92395 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 17.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER4 | STE 800 1390 WILLOW PASS RD CONCORD, CA 94520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $384 | — | $384 | 5.22% |
| NICHOLAS WOLFS4 | SUITE B658 12340 SEAL BEACH BLVD SEAL BEACH, CA 90740 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $178 | — | $178 | 2.42% |
| ROBERT MEISSNER LLC4 | 28732 BRECKENRIDGE DR LAGUNA NIGUEL, CA 92677 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $90 | — | $90 | 1.22% |
| EDGWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $300 | — | $300 | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE COMPANY | PO BOX 5003 SAN ROMAN, CA 94583 | METROPOLITAN LIFE INSURANCE COMPANY | $227 | — | $227 | 4.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE COMPANY | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $57 | $57 | 1.25% |
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 | 1,077 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 626 | $3.7M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,368 | $579K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,368 | $574K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,368 | $625K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,368 | $574K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,368 | $574K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 82 | $328K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 220 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,368 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.