| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | BLUE SHIELD OF CALIFORNIA PHYSICIANS' SERVICE | — | $87K | $87K | 4.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FL SAN FRANCISCO, CA 94104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 17.28% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $47 | $47 | 0.10% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE , USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $8 | $8 | 0.02% |
| MINES INSURANCE SERVICES INC3 | 1519 BARTH AVE RICHMOND, CA 94806 | AFLAC | $2K | $93 | $2K | 6.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | AFLAC | $637 | — | $637 | 1.96% |
| KRISTINA J KUNZ3 | 118 GRANVILLE WAY SAN FRANCISCO, CA 94127 | AFLAC | $345 | $19 | $364 | 1.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | AFLAC | $334 | — | $334 | 1.03% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN DANIEL PAYNE | 3572 SHADOWTREE LN CHICO, CA 95928 | AFLAC | $180 | — | $180 | 0.55% |
| SERGIO I GARCIA3 | 8876 A C SKINNER PKWY UNIT 1201 JACKSONVILLE, FL 32256 | AFLAC | $81 | $19 | $100 | 0.31% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $83 | — | $83 | 0.26% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $68 | — | $68 | 0.21% |
| JON P BATES JR3 | 440 REGENTS PARK DR VALLEJO, CA 94591 | AFLAC | $66 | — | $66 | 0.20% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $51 | — | $51 | 0.16% |
| SAHAR QABAZARD3 | 3756 DEER TRAIL CT DANVILLE, CA 94506 | AFLAC | $44 | — | $44 | 0.14% |
| REBECCA J HANEY3 | 2300 HEMLOCK AVE CONCORD, CA 94520 | AFLAC | $39 | — | $39 | 0.12% |
| CHRIS BRANSON3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $23 | — | $23 | 0.07% |
| GUILLERMO H PALOMINO3 | 2319 E EDNA AVE PHOENIX, AZ 85022 | AFLAC | $16 | — | $16 | 0.05% |
| VICTORIA L FLYNN3 Filed as: VICTORIA HOWARD | 1365 CAMINO PERAL #A MORAGA, CA 94556 | AFLAC | $14 | — | $14 | 0.04% |
| MANA INSURANCE SOLUTIONS INC3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $4 | — | $4 | 0.01% |
| LAUREL NICOLE HARMS3 | 785 TURRINI DR DANVILLE, CA 94526 | AFLAC | $2 | — | $2 | 0.01% |
| SARAH ELIZABET SPINA3 | 5158 MCCOY AVE SAN JOSE, CA 95130 | AFLAC | $2 | — | $2 | 0.01% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL SCHNAIDER | 2521 SHADOWBROOKE RD BRENTWOOD, CA 94513 | AFLAC | $2 | — | $2 | 0.01% |
| EDWARD M RYSKA3 | 6010 ROBLAR RD PETALUMA, CA 94952 | AFLAC | $1 | — | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 10.00% |
| STEPHEN REMMEL4 | 1183 SWALLOWTAIL WAY NIPOMO, CA 93444 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $434 | — | $434 | 11.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER4 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $300 | — | $300 | 7.70% |
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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA PHYSICIANS' SERVICE | 271 | $2.0M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $28K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2 | $45K |
| Short-term disability | AFLAC | 36 | $32K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2 | $45K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA PHYSICIANS' SERVICE | 271 | $2.0M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 27 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.