| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 101809 PASADENA, CA 91189 | DEALER COMPUTER SERVICES, INC. | $30K | $655 | $31K | 8.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 101809 PASADENA, CA 91189 | DEALER COMPUTER SERVICES, INC. | $6K | — | $6K | 1.47% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 101811 PASADENA, CA 91189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $630 | $5K | 7.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 6180 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 3.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 101809 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 101809 PASADENA, CA 91189 | TRIANGLE SERVICES, INC. | $3K | — | $3K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3620 BIRCH STREET SUITE 1 NEWPORT BEACH, CA 92660 | VISION SERVICE PLAN | $873 | — | $873 | 6.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3620 BIRCH STREET SUITE 1 NEWPORT BEACH, CA 92660 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 23.79% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 101809 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $617 | — | $617 | 10.01% |
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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEALER COMPUTER SERVICES, INC. | 184 | $387K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 111 | $71K |
| Vision | VISION SERVICE PLAN | 103 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $47K |
| Short-term disability | TRIANGLE SERVICES, INC. | 40 | $30K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 211 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
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.