| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 511398 LOS ANGELES, CA 90051 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $63K | — | $63K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOS 102159 PASADENA, CA 91189 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | — | $25K | 16.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $3K | — | $3K | 3.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94520 | CLAREMONT EAP | $983 | — | $983 | 4.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | SHELTERPOINT LIFE INSURANCE COMPANY | $443 | — | $443 | 9.74% |
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 | 650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 691 | $85K |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 708 | $631K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 112 | $153K |
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 708 | $631K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 725 | $809K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 725 | — |
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.