| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 945207924 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 7.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 232017 PLEASANT HILL, CA 94523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $673 | $673 | 2.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 232017 PLEASANT HILL, CA 94523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $511 | $511 | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LOVITT & TOUCHE, A MARSH & MCLENNAN | AGCY PO BOX 32702 TUCSON, AZ 85751 | UNITEDHEALHTCARE INSURANCE COMPANY | $2K | — | $2K | 13.15% |
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 | 92 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $63K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $63K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $63K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $33K |
| Other | UNITEDHEALHTCARE INSURANCE COMPANY | 95 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.