| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PKWY SUITE 400 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | — | $54K | 3.63% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17K | $17K | 1.13% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC D/B/A | INTEGRO INSURANCE BROKERS PO BOX 6180 CAROL STREAM, IL 601976180 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 0.49% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC D/B/A | INTEGRO INSURANCE BROKERS 2300 CONTRA COSTA BLVD STE 375 PLEASANT HILL, CA 94523 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.20% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SVCS. INC | 3 WATERS PARK DR STE 100 SAN MATEO, CA 944031162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.07% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 6180 CAROL STREAM, IL 60197 | KAISER FOUNDATION HEALTH PLAN, INC. | $27K | — | $27K | 3.24% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND | 777 MARINERS ISLAND BLVD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | — | $2K | $2K | 0.23% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA | 1 STATE STREET PLAZA 9TH FLOOR NEW YORK, NY 10004 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $68K | — | $68K | 9.21% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA | 1 STATE STREET 9TH FLOOR NEW YORK, NY 10004 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $34K | — | $34K | 9.16% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 6180 CAROL STREAM, IL 60197 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 2.69% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 6180 CAROL STREAM, IL 60197 | METLIFE LEGAL PLANS | $7K | — | $7K | 8.82% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | METLIFE LEGAL PLANS | — | $814 | $814 | 1.10% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 3 WATERS PARK DRIVE SUITE 100 SAN MATEO, CA 94403 | METLIFE LEGAL PLANS | — | $54 | $54 | 0.07% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | DOMINIUM, A DIVISION OF INTEGRO USA PO BOX 5682 CAROL STREAM, IL 60197 | METLIFE LEGAL PLANS | — | $32 | $32 | 0.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1350 DRESDEN DRIVE NE ATLANTA, GA 30319 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $2K | $23K | 58.84% |
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 | 1,485 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 125 | $927K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,912 | $1.5M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,485 | $733K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,485 | $370K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 125 | $927K |
| Other(2 contracts, 2 carriers) | METLIFE LEGAL PLANS | 239 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,912 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.