| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIAN SERVICE | — | $99K | $99K | 5.42% |
| IRINA SARDARYAN3 | 130 N. BRAND BLVD 310 GLENDALE, CA 91203 | CALIFORNIA PHYSICIAN SERVICE | $3K | $163 | $3K | 0.18% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR CT SUITE 750 NEWPORT BEACH, CA 926608891 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $139 | $28K | 11.44% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 117883914 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $10K | $21K | 8.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.97% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIAN SERVICE | 292 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $247K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $247K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $247K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $247K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $247K |
| Prescription drug | CALIFORNIA PHYSICIAN SERVICE | 292 | $1.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.