| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | BLUE CROSS OF CALIFORNIA | $31K | — | $31K | 4.98% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 500 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | — | $12K | $12K | 1.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 4.97% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 500 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 2.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.90% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 500 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANC CENTER | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $533 | $7K | 13.75% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 500 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANC CENTER | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $137 | $2K | 22.83% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 500 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $471 | — | $471 | 5.32% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANC CENTER | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $137 | $2K | 23.40% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 500 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $468 | — | $468 | 5.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANC CENTER | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $114 | $2K | 23.67% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 500 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $353 | — | $353 | 5.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | SUN LIFE ASSURANCE COMPANY OF CANADA | $349 | — | $349 | 9.54% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 113 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $85K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $85K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $54K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $57K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $54K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 82 | $984K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.