| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | ANTHEM BLUE CROSS OF CALIFORNIA | $129K | $22K | $151K | 3.23% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST. STE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 2.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST FL 24 SAN FRANCISCO, CA 941042102 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 1.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102160 PASADENA, CA 91189 | DELTA DENTAL OF CALIFORNIA | $26K | — | $26K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $110K | $1K | $112K | 71.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR CT STE 750 NEWPORT BEACH, CA 926608891 | METROPOLITAN LIFE INSURANCE COMPANY | — | $66 | $66 | 0.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 COCORD, CA 94524 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $15K | 17.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 17.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | UNUM INSURANCE COMPANY | $4K | $368 | $4K | 22.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | UNUM INSURANCE COMPANY | $3K | $313 | $3K | 22.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | ONE CALIFORNIA ST SUITE 400 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $832 | — | $832 | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102160 PASADENA, CA 91189 | DELTA DENTAL OF CALIFORNIA | $430 | — | $430 | 9.88% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $286 | — | $286 | 185.71% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $178 | $2K | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $142 | $1K | — |
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 | 861 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 637 | $5.1M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 802 | $266K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,116 | $157K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,116 | $157K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,116 | $244K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,116 | $247K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 68 | $373K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,116 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,116 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.