| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $27K | $293 | $28K | 3.77% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | SUTTER HEALTH PLAN | $33K | — | $33K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $4K | $24K | 10.71% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD SUITE 300 RANCHO CORDOVA, CA 95670 | WESTERN HEALTH ADVANTAGE | $3K | — | $3K | 5.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD. CONCORD, CA 94520 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 7.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $446 | $4K | 17.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $1K | — | $1K | 5.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | JOHN CONNELL 1390 WILLOW PASS ROAD, #800 CONCORD, CA 94520 | HOMETOWN HEALTH PLAN, INC. | $1K | — | $1K | 9.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 123 MISSION ST 26TH FLOOR SAN FRANCISCO, CA 94105 | MANAGED HEALTH NETWORK | $423 | — | $423 | 5.00% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 107 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 48 | $55K |
| Vision | VISION SERVICE PLAN | 166 | $20K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $243K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $221K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $221K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 107 | $1.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.