| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | P.O. BOX 102159 PASDENA, CA 91189 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | — | $40K | 9.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $5K | $30K | 6.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 743376 LOS ANGELES, CA 90074 | ARMADACARE | $8K | — | $8K | 2.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45K | — | $45K | 14.64% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC | 1820 1ST STREET SUITE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 5.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: INSURANCE CENTER EDGEWOOD PARTNERS | 1 CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 1.67% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W. 13TH STREET FORT WORTH, TX 76102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $743 | — | $743 | 0.24% |
| JEFFREY C WEST3 | 2466 FM 1697 LEDBETTER, TX 78946 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.03% |
| MATTHEW SUTTON3 Filed as: MATTHEW D SUTTON | 31927 WILDWOOD PARK LANE CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.01% |
| LORA MARIE WATSON3 Filed as: LORA M WATSON | PO BOX 1663 MAGNOLIA, TX 77353 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| KIM REED SMITH3 Filed as: KIM R SMITH | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| MARLENE GONZALEZ WANZONG3 Filed as: MARLENE M WANZONG | 14407 WHISPERING VALLEY DR CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MAEDE C MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHRISTOPHER LEE INSURANCE AGENCY3 | 6918 GOODSTRUM WAY KATY, TX 77493 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | P.O. BOX 102159 PASDENA, CA 91189 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.64% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $980 | $980 | 1.42% |
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 | 871 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 24 | $317K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 871 | $428K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 199 | $310K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $69K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 199 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 871 | — |
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.