| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945297924 | UNITEDHEALTHCARE INSURANCE COMPANY | $175K | — | $175K | 2.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC. | $150K | — | $150K | 2.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $35K | — | $35K | 4.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 7.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 7.23% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5900 SAN MATEO, CA 944025900 | RELIASTAR LIFE INSURANCE COMPANY | $21K | — | $21K | 18.52% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 02284 | RELIASTAR LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PARKWAY SUITE 325 SAN RAMON, CA 945834335 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 1.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | VISION SERVICE PLAN | $3K | — | $3K | 2.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.48% |
| MASOLI LEGACY LLC4 | 4319 BLENHEIM WAY CONCORD, CA 94521 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | — | $2K | 7.17% |
| DANIEL BUCHALTER4 | 695 DOWLING BLVD SAN LEANDRO, CA 94577 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $806 | — | $806 | 3.75% |
| ROBERT WILLIAMS4 | 16012 VIA ARROYO SAN LORENZO, CA 94580 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $29 | — | $29 | 0.13% |
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 | 722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 603 | $10.9M |
| Dental | STANDARD INSURANCE COMPANY | 575 | $769K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 575 | $154K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 722 | $363K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 722 | $206K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 603 | $10.9M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 960 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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.