| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES, INC | 940 ADAMS STREET, SUITE G BENICIA, CA 94510 | PARTNERRE AMERICAN INSURANCE COMPANY | $170K | $48K | $218K | 19.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P. O. BOX 511398 LOS ANGELES, CA 90051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $20K | 13.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P. O. BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $3K | — | $3K | 1.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P. O. BOX 511398 LOS ANGELES, CA 90051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 13.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P. O. BOX 511398 LOS ANGELES, CA 90051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $11K | 13.00% |
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 | 1,358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE | 2,264 | $0 |
| Dental | THE DENTAL PPA | 2,864 | $0 |
| Vision | VISION SERVICE PLAN | 1,367 | $140K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,339 | $183K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,339 | $88K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,339 | $241K |
| Prescription drug(3 contracts, 3 carriers) | RX - US CARE | 2,264 | $0 |
| Stop-loss / reinsurancereinsurance | PARTNERRE AMERICAN INSURANCE COMPANY | 1,094 | $1.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,339 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,864 | — |
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.