| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $109K | $816 | $110K | 5.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 954240668 | UNITEDHEALTHCARE | $715 | — | $715 | 0.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 9.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | VISION CARE PLAN | $1K | — | $1K | 5.38% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $796 | $3K | 20.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASDENA, CA 91189 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 5668 CONCORD, CA 94524 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $112 | $112 | 1.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5003 SAN RAMON, CA 94583 | METROPOLITAN LIFE INSURANCE | $1K | — | $1K | 13.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE | — | $220 | $220 | 2.27% |
| JAMES C JENKINS INSURANCE SERVICE3 Filed as: JAMES C JENKINS INS SERVICE INC | PO BOX 5668 CONCORD, CA 94524 | METROPOLITAN LIFE INSURANCE | $40 | — | $40 | 0.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $408 | $2K | 22.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $541 | — | $541 | 9.15% |
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 | 325 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 276 | $2.4M |
| Dental | STANDARD INSURANCE COMPANY | 206 | $207K |
| Vision(2 contracts, 2 carriers) | VISION CARE PLAN | 206 | $27K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $44K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $16K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 276 | $2.2M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.