| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EPIC3 Filed as: EPIC - CONCORD | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | SUTTER HEALTH PLAN | $55K | — | $55K | 5.00% |
| EDGEWOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 9.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FLOOR 3 MELVILLE, NY 117474268 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.78% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 1357 E LASSEN AVE CHICO, CA 959737824 | PRINCIPAL LIFE INSURANCE COMPANY | $32 | — | $32 | 0.02% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUTTER HEALTH PLAN | 133 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $135K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $135K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $135K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $135K |
| Prescription drug | SUTTER HEALTH PLAN | 133 | $1.1M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.