| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PLACE, SUITE 370 GOLD RIVER, CA 95670 | UNITED HEALTHCARE INSURANCE COMPANY | $53K | $1K | $55K | 3.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PLACE, SUITE 370 GOLD RIVER, CA 95670 | KAISER FOUNDATION HEALTH PLAN INC. | $51K | — | $51K | 3.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PLACE, SUITE 370 GOLD RIVER, CA 95670 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $5K | — | $5K | 3.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PLACE, SUITE 370 GOLD RIVER, CA 95670 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | $1K | $16K | 10.68% |
| AXA ASSISTANCE, USA5 | 122 S MICHIGAN AVENUE, SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $81 | $81 | 0.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PLACE, SUITE 370 GOLD RIVER, CA 95670 | BLUE CROSS OF CALIFORNIA | $5K | — | $5K | — |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 105 | $3.3M |
| Vision | KAISER FOUNDATION HEALTH PLAN INC. | 84 | $1.4M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 244 | $152K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 244 | $152K |
| Prescription drug(4 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 105 | $3.3M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 244 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.