| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | WESTERN HEALTH ADVANTAGE | $24K | — | $24K | 4.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST, STE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 5.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PL STE 370 GOLD RIVER, CA 95670 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $977 | — | $977 | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PL STE 370 GOLD RIVER, CA 95670 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $385 | $385 | 3.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $924 | — | $924 | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PL STE 370 GOLD RIVER, CA 95670 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $430 | $430 | 4.65% |
| EPIC3 | PO BOX 102159 PASADENA, CA 91189 | EYEMED VISION CARE | $378 | — | $378 | 7.34% |
| EPIC3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | EYEMED VISION CARE | $90 | — | $90 | 1.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $555 | — | $555 | 13.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PL STE 370 GOLD RIVER, CA 95670 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $158 | $158 | 3.85% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 91 | $654K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 41 | $50K |
| Vision | EYEMED VISION CARE | 80 | $5K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $14K |
| Prescription drug(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 91 | $654K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.