| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 4.49% |
| HEALTH MANAGEMENT OPTIONS INS SVCS3 | 2401A WATERMAN BLVD, SUITE 4-133 FAIRFIELD, CA 94533 | KAISER FOUNDATION HEALTH PLAN INC. | -$54 | — | -$54 | -0.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | WESTERN HEALTH ADVANTAGE | $2K | — | $2K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | PREMIER ACCESS INSURANCE COMPANY | $386 | — | $386 | 1.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | SUTTER HEALTH PLAN | $562 | — | $562 | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| BENEFIT MALL3 | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $531 | $531 | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | PREMIER ACCESS INSURANCE COMPANY | $351 | — | $351 | 11.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | PREMIER ACCESS INSURANCE COMPANY | $540 | — | $540 | 22.66% |
| HEALTH MANAGEMENT OPTIONS INS SVCS3 | 2401A WATERMAN BLVD, SUITE 4-133 FAIRFIELD, CA 94533 | PREMIER ACCESS INSURANCE COMPANY | -$4 | — | -$4 | -0.17% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $190 | — | $190 | 10.01% |
| BENEFIT MALL3 | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $95 | $95 | 5.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38 | — | $38 | 9.90% |
| BENEFIT MALL3 | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $19 | $19 | 4.95% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 150 | $148K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 179 | $25K |
| Vision | PREMIER ACCESS INSURANCE COMPANY | 111 | $3K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 23 | $2K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 150 | $146K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 34 | $384 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.