| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S GRAND AVE #4500 LOS ANGELES, CA 90071 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | $50K | $105K | 9.52% |
| CLELL JOHN LAUGHARN JR3 | 115 N EL MOLINO AVE PASADENA, CA 91101 | STANDARD INSURANCE COMPANY | $152K | — | $152K | 20.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 743376 LOS ANGELES, CA 90074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | — | $43K | 7.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | — | $43K | 7.77% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | — | $28K | 8.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 2.76% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | ONE CALIFORNIA ST, 4TH FLOOR SAN FRANCISCO, CA 94111 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $6K | — | $6K | 9.24% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $3K | — | $3K | 11.76% |
| INTEGRO INSURANCE BROKERS5 Filed as: INTEGRO USA INC. | PO BOX 101809 PASADENA, CA 91189 | TRANSAMERICA LIFE INSURANCE CO. | $2K | — | $2K | 5.88% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $1K | — | $1K | 6.12% |
| INTEGRO INSURANCE BROKERS5 Filed as: INTEGRO USA INC. | PO BOX 101809 PASADENA, CA 91189 | EXPRESS SCRIPTS, INC. | $459 | — | $459 | 2.04% |
| INTEGRO INSURANCE BROKERS5 | PO BOX 101809 PASADENA, CA 91189 | AMERITAS INSURANCE DENTAL & VISION PLANS | $355 | — | $355 | 11.55% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERITAS INSURANCE DENTAL & VISION PLANS | $121 | — | $121 | 3.94% |
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 | 1,976 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 13 | $91K |
| Dental | AMERITAS INSURANCE DENTAL & VISION PLANS | 6 | $3K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,692 | $255K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,666 | $3.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 504 | $751K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,973 | $1.1M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 14 | $23K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,870 | $591K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,666 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.