| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | KAISER FOUNDATION HEALTH PLAN INC | $77K | — | $77K | 4.28% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 103129 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $213 | $213 | 1.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 103129 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $156 | $156 | 1.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 103129 PASADENA, CA 91189 | VISION SERVICE PLAN | $850 | — | $850 | 7.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 103129 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $591 | — | $591 | 15.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 WILLOW PASS RD STE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $48 | $48 | 1.22% |
| KRISTIN M WASHINGTON4 | 1675 7TH ST UNIT 22004 OAKLAND, CA 94623 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $190 | — | $190 | 14.89% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 171 | $1.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 193 | $113K |
| Vision | VISION SERVICE PLAN | 94 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $12K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 171 | $1.8M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.