| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $88K | $88K | 3.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 100365811 | KAISER FOUNDATION HEALTH PLAN INC | $40K | — | $40K | 1.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $54K | $54K | 5.11% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 100365811 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 2.01% |
| BENE RE LLC3 | 5217 MONROE STREET SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $60K | $60K | 8.00% |
| MANNING JERRY3 Filed as: J MANNING AND ASSOCIATES-KCFW | 167 N GREEN ST 4TH FLOOR CHICAGO, IL 60607 | COMBINED INSURANCE | $71K | — | $71K | 9.93% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | COMBINED INSURANCE | $66K | — | $66K | 9.24% |
| LTCI PARTNERS LLC-KCEM3 | 14546 BROOK HOLLOW BLVD #281 SAN ANTONIO, TX 78232 | COMBINED INSURANCE | $31K | — | $31K | 4.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $6K | — | $6K | 1.35% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS | 350 HUDSON ST FL 4 NEW YORK, NY 10014 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $6K | — | $6K | 1.64% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $20K | $47K | 26.46% |
| GCG FINANCIAL LLC3 Filed as: MORRIS & BOYLE, AN ALERA | INSURANCE AGENCY 1850 MT DIABLO BLVD STE 430 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $477 | $477 | 0.27% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA | 375 NORTHRIDGE RD STE 515 ATLANTA, GA 30350 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $321 | $126 | $447 | 0.25% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | STE 400 571 MONON BLVD CARMEL, IN 46032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $387 | — | $387 | 0.22% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: M FINANCIAL HOLDINS INC | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $169 | $169 | 0.09% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $50 | $50 | 0.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $10K | $8K | $19K | 31.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $523 | — | $523 | 3.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | — | $55 | $55 | 1.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF AMERICAS 8FL NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $633 | — | $633 | 16.88% |
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 | 4,811 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,811 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 200 | $3.3M |
| Vision | VISION SERVICE PLAN | 3,489 | $469K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,811 | $2.2M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 79 | $240K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,798 | $1.0M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 200 | $3.3M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,811 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,811 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.