| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | WESTERN HEALTH ADVANTAGE | $18K | — | $18K | 4.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST, STE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | — | $7K | 5.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 100 MONTGOMERY ST STE 2000 SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $50 | $8K | 12.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $681 | $4K | 6.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $966 | $966 | 1.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32 | $32 | 0.05% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $897 | $36 | $933 | 10.74% |
| EDGEWOOD PARTNERS INSURANCE CENTER4 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $216 | — | $216 | 11.27% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 55 | $488K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $63K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $63K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $63K |
| Prescription drug(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 55 | $488K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.