| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIANS' SERVICE | $28K | $2K | $31K | 3.38% |
| INTERWEST INSURANCE SERVICES, LLC3 | 3636 AMERICAN RIVER DRIVE 2ND FLOOR SACRAMENTO, CA 95864 | CALIFORNIA PHYSICIANS' SERVICE | $17K | — | $17K | 1.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 3.87% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | PO BOX 255188 SACRAMENTO, CA 95865 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 0.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $4K | $16K | 9.86% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | PO BOX 255188 SACRAMENTO, CA 95865 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $36 | $1K | 0.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | EPIC OPERATING FILE 1367 PASADENA, CA 91199 | VISION SERVICE PLAN | $952 | — | $952 | 4.55% |
| INTERWEST INSURANCE SERVICES, LLC3 | 310 HEMSTED DRIVE, SUITE 200 REDDING, CA 96002 | VISION SERVICE PLAN | $182 | — | $182 | 0.87% |
| MICHAEL J. MCVAY3 | 8967 CREST VIEW DRIVE CORONA, CA 92883 | AFLAC | $989 | — | $989 | 5.27% |
| ROSALIE KAY PARKS3 | 136 MARK WEST STATION ROAD WINDSOR, CA 95492 | AFLAC | $828 | — | $828 | 4.41% |
| MJ INSURANCE3 Filed as: LISA M. BAUMAN AND VARIOUS AGENTS | 73 ORCHARD HEIGHTS DELAWARE, OH 43015 | AFLAC | $533 | — | $533 | 2.84% |
| MARK C. HUBER3 | 480 SAN GABRIEL DRIVE SONOMA, CA 95476 | AFLAC | $202 | — | $202 | 1.08% |
| DAVID B. KITCHEN3 | 1260 NORTH DUTTON AVENUE, SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $117 | — | $117 | 0.62% |
| JON P BATES JR3 Filed as: JON P. BATES JUNIOR | 440 REGENTS PARK DRIVE VALLEJO, CA 94591 | AFLAC | $107 | — | $107 | 0.57% |
| MICHAEL BOOTH3 Filed as: MICHAEL H. BOOTH | 740 4TH STREET SANTA ROSA, CA 95404 | AFLAC | $89 | — | $89 | 0.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | MANAGED HEALTH NETWORK | $561 | — | $561 | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $181 | $69 | $250 | 8.51% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | PO BOX 255188 SACRAMENTO, CA 95865 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $26 | — | $26 | 0.89% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 122 | $1.4M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $187K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 179 | $40K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $165K |
| Short-term disability | AFLAC | 29 | $19K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $165K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 122 | $1.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.