| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MML INS AGENCY LLC3 | PO BOX 8089 BOSTON, MA 02266 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63K | $63K | 2.19% |
| PETER LIZOTTE3 | 4601 WILSHIRE BLVD STE 200 EXECUTIVE FINANCIAL INC LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $86K | $37K | $123K | 7.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $231K | $266K | $497K | 53.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 7.00% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 7.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA DBA INTEGRO INS BROKERS | ONE CALIFORNIA ST, 4TH FLOOR SAN FRANCISCO, CA 94111 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $16K | $18K | $34K | 53.99% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $6K | — | $6K | 11.77% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | ONE CALIFORNIA STREET SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE CO. | $3K | — | $3K | 5.88% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $2K | — | $2K | 5.51% |
| INTEGRO INSURANCE BROKERS3 | ONE CALIFORNIA STREET SAN FRANCISCO, CA 94111 | EXPRESS SCRIPTS, INC. | $738 | — | $738 | 1.84% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | ONE CALIFORNIA ST SAN FRANCISCO, CA 94111 | AMERITAS LIFE INSURANCE CORPORATION - LINCOLN | $898 | — | $898 | 11.57% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERITAS LIFE INSURANCE CORPORATION - LINCOLN | $320 | — | $320 | 4.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $101 | — | $101 | 4.75% |
| BONNIE J HASTINGS3 | 14931 CRYSTAL CIRCLE IRVINE, CA 92604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1 | $1 | 0.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33 | $33 | $66 | 8.22% |
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 | 2,268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 21 | $117K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION - LINCOLN | 15 | $8K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,909 | $291K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,221 | $4.4M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $803 |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,221 | $1.6M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 22 | $40K |
| Other(6 contracts, 5 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2,297 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,297 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.