| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTERNS INSURANCE CENTER | P.O. BOX 5668 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 2.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5666 CONCORD, CA 94524 | VISION SERVICE PLAN | $2K | $17K | $19K | 19.49% |
| 1852 SERVICES LLC3 | 601 CALIFORNIA STREET SUITE 700 SAN FRANCISCO, CA 94108 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $1K | — | $1K | 15.01% |
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 | 743 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 168 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,236 | $710K |
| Vision | VISION SERVICE PLAN | 700 | $99K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 743 | $496K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 743 | $496K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 743 | $496K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 168 | $1.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 888 | $504K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,236 | — |
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.