| 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 | $70K | $15K | $85K | 6.07% |
| CLELL JOHN LAUGHARN JR3 | 115 N EL MOLINO AVE PASADENA, CA 91101 | STANDARD INSURANCE COMPANY | $146K | — | $146K | 18.80% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 743376 LOS ANGELES, CA 90074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 7.47% |
| 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 | $39K | — | $39K | 7.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | — | $46K | 13.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.61% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | ONE CALIFORNIA ST, 4TH FLOOR SAN FRANCISCO, CA 94111 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| CLELL JOHN LAUGHARN JR3 | 115 N EL MOLINO AVE PASADENA, CA 91101 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $8K | — | $8K | 17.24% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $4K | — | $4K | 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. | $2K | — | $2K | 5.79% |
| INTEGRO INSURANCE BROKERS5 Filed as: INTEGRO USA INC. | PO BOX 101809 PASADENA, CA 91189 | EXPRESS SCRIPTS, INC. | $597 | — | $597 | 1.93% |
| INTEGRO INSURANCE BROKERS5 Filed as: INTEGRO USA INC | PO BOX 101809 PASADENA, CA 91189 | AMERITAS INSURANCE DENTAL & VISION PLANS | $603 | — | $603 | 11.58% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERITAS INSURANCE DENTAL & VISION PLANS | $216 | — | $216 | 4.15% |
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 | 1,741 | 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) | 1,768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 17 | $90K |
| Dental | AMERITAS INSURANCE DENTAL & VISION PLANS | 10 | $5K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,719 | $261K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,810 | $3.1M |
| Long-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,072 | $2.2M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 17 | $31K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,700 | $664K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,810 | — |
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.