| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | PO BOX 511398 LOS ANGELES, CA 90051 | HARTFORD LIFE AND ACCIDENT | $103K | $62K | $165K | 12.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | PO BOX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | $4 | $0 | $4 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | 135 MAIN STREET, FLOOR 21 SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 1.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | PO BOX 511398 LOS ANGELES, CA 90051 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $2K | $50K | 103.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $71 | $2K | 3.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | PO BOX 102159 PASADENA, CA 91189 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $2K | $0 | $2K | 5.32% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | 135 MAIN STREET, FLOOR 21 SAN FRANCISCO, CA 94105 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $1K | $38 | $1K | 4.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | PO BOX 511398 LOS ANGELES, CA 90051 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $0 | $329 | $329 | 0.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | 2405 SATELLITE BOULEVARD, SUITE 200 DULUTH, GA 30096 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $0 | $37 | $37 | 0.11% |
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 | 1,441 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 104 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,441 | $814K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,441 | $48K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,477 | $1.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,477 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,477 | $1.4M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 169 | $766K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,477 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,477 | — |
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.