| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1765 CHALLENGE WAY, SUITE 200 SACRMENTO, CA 95815 | KAISER FOUNDATION HEALTH PLAN INC. | $71K | — | $71K | 4.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1765 CHALLENGE WAY, SUITE 200 SACRAMENTO, CA 95815 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $10K | 4.06% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $165 | $4K | 1.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1765 CHALLENGE WAY, SUITE 200 SACRAMENTO, CA 95815 | VISION SERVICE PLAN | $2K | — | $2K | 4.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1765 CHALLENGE WAY, SUITE 200 SACRAMENTO, CA 95815 | HARTFORD LIFE AND ACCIDENT | $406 | $86 | $492 | 12.15% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 320 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 581 | $240K |
| Vision | VISION SERVICE PLAN | 182 | $41K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 198 | $4K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 320 | $1.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 198 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.