| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EPIC3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94520 | AETNA LIFE INSURANCE CO. | $34K | — | $34K | 1.50% |
| ASSUREDPARTNERS3 Filed as: JOHNSON AND DUGAN INS SVCS COR | 1350 BAYSHORE HWY BURLINGAME, CA 94010 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 0.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC | $22K | — | $22K | 2.25% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INS SERVICES | 390 BRIDGE PKWY STE 200 REDWOOD CITY, CA 940651061 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 0.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102160 PASADENA, CA 911892160 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 1.50% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INS SVCS COR | 1350 BAYSHORE HWY BURLINGAME, CA 94010 | DELTA DENTAL OF CALIFORNIA | $1K | — | $1K | 0.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 7.50% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE | 390 BRIDGE PARKWAY SUITE 200 REDWOOD CITY, CA 94065 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5666 CONCORD, CA 94524 | VISION SERVICE PLAN | $1K | — | $1K | 2.85% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SVCS | 390 BRIDGE PARKWAY STE 200 REDWOOD CITY, CA 94065 | VISION SERVICE PLAN | $463 | — | $463 | 0.95% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 86 | $3.3M |
| Dental | DELTA DENTAL OF CALIFORNIA | 140 | $288K |
| Vision | VISION SERVICE PLAN | 125 | $49K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $128K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $128K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 86 | $3.3M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.