| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 SUITE 400 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | — | $72K | 4.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27K | $27K | 1.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 STATE STREET PLAZA 9TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73K | — | $73K | 9.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 6180 CAROL STREAM, IL 60197 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73K | — | $73K | 9.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 2.69% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 STATE STREET PLAZA 9TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $57K | — | $57K | 9.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 6180 CAROL STREAM, IL 60197 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $57K | — | $57K | 9.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 2.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN, INC. | $21K | — | $21K | 3.89% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 6180 CAROL STREAM, IL 60197 | METLIFE LEGAL PLANS | $7K | $77 | $7K | 9.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | METLIFE LEGAL PLANS | — | $855 | $855 | 1.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD INS BROKERS & CONSULTANTS | ONE CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 99511 | METLIFE LEGAL PLANS | — | $228 | $228 | 0.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1350 DRESDEN DRIVE NE ATLANTA, GA 30319 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 38.54% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 40 WALL ST STE 130 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $493 | $4K | 11.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | OF HOUSTON TWO PIERCE PL 21ST FL ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $123 | $2K | 7.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $394 | $394 | 1.18% |
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 | 1,590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 103 | $729K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,999 | $1.7M |
| Vision | VSP SERVICE PLAN | 1,209 | $261K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,597 | $794K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,597 | $623K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 103 | $729K |
| Other(3 contracts, 3 carriers) | METLIFE LEGAL PLANS | 268 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,999 | — |
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.