| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94529 | UNIMERICA LIFE INSURANCE SERVICES | $0 | — | $0 | 0.00% |
| JAMES C JENKINS INSURANCE SERVICE3 | PO BOX 5668 CONCORD, CA 94524 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EPIC Filed as: EPIC - CONCORD | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94250 | THE UNION LABOR LIFE INSURANCE COMPANY | $47K | — | $47K | — |
| STOP LOSS INSURANCE SERVICES, INC. Filed as: STOP LOSS INSURANCE, INC. | 940 ADAMS STREET, SUITE G BENICIA, CA 94510 | THE UNION LABOR LIFE INSURANCE COMPANY | $20K | — | $20K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT PLAN ADMINISTRATOR EIN 88-0277518 TPA | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 445 APPLE STREET, SUITE 200 RENO, NV 89502 | $240K |
| NEYHART, ANDERSON, FLYNN, GROSBOLL EIN 94-2576729 NONE | Legal Service code 29 | 369 PINE STREET, SUITE 800 SAN FRANCISCO, CA 94104 | $31K |
| EPIC EIN 94-3195221 NONE | Consulting (general) Service code 16 | 1390 WILLOW PASS RD. 800 CONCORD, CA 94520 | $30K |
| EIDE BAILLY EIN 45-0250958 NONE | Accounting (including auditing) Service code 10 | 5441 KIETZKE LN., STE. 150 RENO, NV 89511 | $17K |
| BIDART & ROSS EIN 88-0241176 NONE | Investment advisory (plan) Service code 27 | 10391 DOUBLE R BLVD RENO, NV 89521 | $10K |
| JENKINS & CARTER EIN 88-0271101 NONE | Legal Service code 29 | 1895 PLUMAS STREET, SUITE 2 RENO, NV 89509 | $5K |
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 | 409 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNIMERICA LIFE INSURANCE SERVICES | 398 | $21K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 344 | $0 |
| Other(2 contracts, 2 carriers) | UNIMERICA LIFE INSURANCE SERVICES | 398 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.