| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET, SUITE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN, INC. | $21K | $0 | $21K | 2.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $871 | $23K | 3.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $12K | 7.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $107 | $3K | 1.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $521 | $521 | 0.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR COURT, SUITE 750 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $50 | $50 | 0.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $392 | $10K | 10.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8800 EAST RAINTREE DRIVE, SUITE 250 SCOTTSDALE, AZ 85260 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR COURT, SUITE 750 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 4137 CLINTON, IA 52733 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.70% |
| ALAN L. SMITH4 | 4025 DARRYL STREET ROUND ROCK, TX 78681 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $177 | $0 | $177 | 7.21% |
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 | 161 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 122 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 332 | $174K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 225 | $44K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $140K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $96K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 122 | $1.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.