| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $60K | $1K | $61K | 4.06% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 500 YGNACIO VALLEY ROAD SUITE 450 WALNUT CREEK, CA 94546 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $30K | $30K | 1.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN, INC. | $34K | — | $34K | 4.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | BROWN AND BROWN 3697 MT DIABLO BLVD, SUITE 100 LAFAYETTE, CA 945493769 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 3.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 3.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $767 | $5K | 11.79% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $664 | $4K | 11.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $330 | $2K | 11.73% |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 196 | $2.6M |
| Dental | HUMANA INSURANCE COMPANY | 144 | $174K |
| Vision | HUMANA INSURANCE COMPANY | 144 | $174K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $43K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 79 | $774K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.