| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC | $85K | $63 | $85K | 3.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES OF CA | 1002 MARK AVENUE CARPINTERIA, CA 93013 | UNITEDHEALTHCARE INSURANCE COMPANY | $63K | — | $63K | 2.35% |
| EDGEWOOD PARTNERS INSURANCE CENTER1 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | — | $49K | 1.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $5 | $7K | 3.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.54% |
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 | 981 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 981 | $6.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 981 | $2.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 981 | $2.7M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 981 | $2.7M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 93 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $17K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 268 | $3.5M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 981 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 981 | — |
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.