| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $121K | $10K | $131K | 5.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $93 | $6K | 4.79% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S GRAND AVE #4500 LOS ANGELES, CA 90071 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 7.11% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $67 | $3K | 4.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD IRVINE, CA 92612 | AETNA HEALTH, INC. | $3K | — | $3K | 4.80% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S GRAND AVE #4500 LOS ANGELES, CA 90071 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 6.32% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $5K | $10K | 19.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD PENTHOUSE SUITE IRVINE, CA 92612 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 8.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD IRVINE, CA 92612 | MAGELLAN HEALTHCARE | $919 | — | $919 | 12.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER4 | 1390 WILLOW PASS ROAD CONCORD, CA 94520 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $646 | — | $646 | 10.02% |
| SANDRA R LOLLINO4 | 1812 OVERLAND AVE APT 201 LOS ANGELES, CA 90025 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $451 | — | $451 | 7.00% |
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 | 193 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 214 | $2.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 214 | $2.3M |
| Vision | AETNA LIFE INSURANCE COMPANY | 214 | $2.3M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 160 | $52K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $70K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $58K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 15 | $195K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 160 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.