| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | — | $76K | 4.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | AGENCY OF VIRGINIA 11220 ASSETT LOOP STE 304 MANASSAS, VA 201097912 | PRINCIPAL LIFE INSURANCE COMPANY | — | $9K | $9K | 4.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES OF CA | 2 PARK PLAZA STE 440 IRVINE, CA 926142535 | PRINCIPAL LIFE INSURANCE COMPANY | $837 | — | $837 | 0.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA INC | 2 PARK PLAZA STE 440 IRVINE, CA 92614 | CALIFORNIA DENTAL NETWORK, INC. | $1K | — | $1K | 10.00% |
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 | 561 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $1.7M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 671 | $214K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 671 | $201K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 671 | $201K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 86 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 671 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.