| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSU SERVICES OF CA | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | KAISER FOUNDATION HEALTH PLAN INC | $37K | — | $37K | 2.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | KAISER FOUNDATION HEALTH PLAN INC | $26K | $2 | $26K | 1.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | DELTA DENTAL OF CALIFORNIA | $5K | — | $5K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 103129 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $445 | $445 | 3.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 103129 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 WILLO PASS RD STE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $315 | $315 | 3.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | PO BOX 743055 LOS ANGELES, CA 900743055 | VISION SERVICE PLAN | $475 | — | $475 | 4.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 103129 PASADENA, CA 91189 | VISION SERVICE PLAN | $440 | — | $440 | 4.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 103129 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $483 | — | $483 | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 WILLO PASS RD STE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $123 | $123 | 3.82% |
| KRISTIN M WASHINGTON4 | 1753 14TH ST OAKLAND, CA 94607 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $153 | — | $153 | 18.24% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 167 | $1.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 187 | $103K |
| Vision | VISION SERVICE PLAN | 89 | $10K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $10K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 167 | $1.7M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.